AV-Comparatives is able to acquire 200 to 250 live new malware URLS's per month. There are over 6 billion websites and over 2 billion mobile devices. So how big is the chance of (1) running into malwre AND (2) your AntiVirus misses it? Less than a meteorite hitting earth I guess.
Are you implying AVC could ONLY obtain 200-250 live malware URL's a month? I think it's more likely that's where they simply stopped after acquiring that many. Fortinet sees many thousands of threats a day in some cases. Your chance of being infected by 'something' is pretty astronomically high these days to be totally honest.
My home network, used by 5 people on average, with about 40 devices stops roughly a dozen websites a day for phishing, exploits, malware, redirects, cross scripts and other crap.. The difference between my network and yours is, I KNOW what is stopped and have technologies to stop it(and or log it) you don't. Lack of awareness doesn't portray the reality, it accentuates a fantasy or uninformed belief.
To be honest, I am of the opinion there are more threats and those threats are more sophisticated and are often escaping detection. In some cases those threats exist and attack, but don't find a vector to hit or specific protocols in use so the average joe doesn't even realize they were hit.
Our tech team pulled dozens of file-less threats and worms off Windows Defender protected machines this week already, WD was quietly and blissfully unaware the entire machines were compromised.
the real world is not as bad as experts on security forums would like think we are
There is a reason they're called experts, and others aren't.... This is like saying fewer people get sick than doctors say get sick. Or that less cars break down than mechanics tell you...