Depends on your risk profile. I use Windows 10 strictly for gaming, all applications are installed via Steam, Epic or Origin, patches are installed via windows

Depends on your risk profile. I use Windows 10 strictly for gaming, all applications are installed via Steam, Epic or Origin, patches are installed via windows and I use fully patched ever green browsers. I don't have an office suite installed nor do I use email. All serious work/tasks are done on Fedora not Windows. So on that system I don't use anti-virus as I've decided there is simply no reason (the risk is sufficiently low and I'm an experience user who doesn't do risky things). If I was installing Windows for my mum I'd look at it completely differently, so really what you have to consider is the risk/reward in your favour.