It's because people don't feel secure/safe unless they add all these things to their setup
That behavior is driven by emotions (fear) and fearful thinking (paranoia, obsessing).
Knowledge is a very powerful tool, IMO it develops the individual's psychology one way or another.
There is no substitute for knowledge and experience. They are more valuable than any security soft.
Some will claim "That's what we do in these 'What's best AV ?' threads... gain knowledge." I look at what is done in these threads and it really is not about gaining security knowledge. It is security theater, about playing with softs, about defending one's turf. Not to mention that there's a whole lot of security soft and forum addiction in there too. And a smattering of Tinfoil Hat Movement activity.
However, the entire phenomena is quite the hypern00b stuff... thinking that one can strategically pick-and-choose their way to the ultimate impenetrable IT fortress security. It's an obsession of all the permutations and testings to figure out "What is best AV ?" and then use it. It's an obsession based upon the false assumption that there is a "magic bullet"configuration to be had some way, some how, and one can find it. Thinking there is always something better to be had. Always doubting and operating on the basis of fear. Never satisfied. That... is twisted psychology. That is wholly a user\personal problem.
Once people get tired of dealing with problems, that's when they begin to change. When people get tired of expending so much effort, that's a when they really begin to change.
I get trying to craft the best security configuration that you can. But people adhere to highly questionable points of view and practices.
Most people have to learn the hard way.