No, Machine Learning models are also a part of WD default protection. The local ML models are updated via WD updates. From Microsoft documentation, it follows that it should be the same for Windows Home, Pro, and E3. The E5 edition has some additional AI protection ("Advanced machine learning and AI based protection for apex level viruses and malware threats"). Furthermore, E5 editions can use "Behavioral-based detection for advanced and targeted attacks (post-breach)".
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