In most ways, I have to agree with a lot of points brought up by CandyCaneArter. I felt like over the past few years of computing was advanced enough that most "viruses" tend to be more benign and just beg the user for money just to get their data back. Most of that is solved simply by just formatting and reinstalling the OS along with keep good backups minus the said program that allowed the ransomware in. I think having an antivirus installed is kind of second nature to me since I was taught earlier in life to always have one, but even the latest Windows comes with one already built-in. Not perfect, but at least they don't beg you to get a subscription for full protection from what I've observed.
I had jumped from ESET on mobile to Malwarebytes to BitDefender and then back to MBAM because the middle software/application got on my nerves in thinking I'd lose my protection by going free user license. Even MBAM kind of has adapted that and not a huge fan of it because that means I would manually scan, but I honestly needed to make that a habit instead of relying on convenient features to lure me into buying a subscription - I would think.
I think for the most part, it ends up being just common sense and being mindful of what websites you land at as well as closing out of sketchy websites that try to say your app that you don't have installed is out of date and needs a new update installed. It does help in having applications that you trust and aren't holding features hostage (like Microsoft Office and the subscription BS). I had started using OpenOffice and then LibreOffice, and never looked back. To me, the ribbons UI looked so darn bad (/neg) and not exactly what I would call
"professional".
Previously, I had done the not so secure task of screencapturing my login credentials and saved them to Firefox/Waterfox. Although that slowly changed and then after the Artfight breach, dramatically began to move things over to paper and Bitwarden (free user, but still nice and not such a braggart about
making me pay). 2FA while not exactly convenient by any stretch is something I'm slowly opening up to as I had added EnteAuth as the authenticating app for AF and it's honestly stupidly simple I would be open to utilizing it more often.
Long story short, modern OS's should be okay but retro OS's might benefit from that small layer of security. Android and iOS I still can't say for sure but I sometimes feel like having MBAM on my android is a bit of an overkill for it. Just not as much as the app for my current smartwatch that is from China/some overseas brand...