My nomination is
Windows Defender (supported by Windows 10 default security features).
My next nominations are Avast free and Kaspersky Security Cloud free (for people who do not like WD).
This nomination is for average (inexperienced) users. I think that MT members can build sensible security based on any AV, free or paid. I like most AVs and thank God for diversity.
I have nominated WD mainly due to its compatibility with Windows and usability for average users. The detection of all free AVs on default settings is similar and the differences in protection are non-measurable in practice. When the average users buy a computer with Windows 10, they have good basic protection without doing anything. I did not count the usability of GUI, because average users usually do not know how to tweak the AV.
When looking at the criteria in the OP, we can see that default Windows built-in security does not include some features:
- Network Protection that supports Windows Firewall
- Botnet protection
- Banking & Payments protection
- VPN
- Password Manager
Anyway, I do not know free AV that has got Botnet Protection or Banking & Payments protection.
There are some free AVs that have got a VPN or Password Manager, but the usability of these features is low.
One of the free AVs that has got some network protection (independent of the web browser) is Avast. This is some advantage, but not enough because of less compatibility and some privacy issues.