Because I studied webdesign/digital marketing I am always called (in our family) when somebody messes up his/her PC or wants a cheap Microsoft Office version installed (digital Office license). I hope an all Microsoft setup (now including Edge-chromium) reduces the chance of being called for help.
Since 2019 every family member having problems or came to ask to setup a new Laptop/PC, I use the configuration below
1. Hard_configurator setting:
- default deny for basic user (allow admin) except dll, exe, msi, msp, msu and tmp (in all user folders).
- designated (protected) file types the default plus powershell minus above file extensions
- enhanced blocked sponsors set (25 in total).
- protect windows folders and shortcuts
- enabled shell extension security and anti-exploit set to block Adobe + VBA
- disabled remote access, 16 bits and SMB1
- powershell script block and windows script host block both off
- validate Admin Code Signature, Run as Admin, Run as Smartscreen all off
2. ConfigureDefender set to MAX and Protected Folders OFF
3. Firewall Hardening blocking Office programs only
At least 7 PC's are setup this way and I have never been called for problems. So even with risk value of 5, most average PC users (using programs in stead of installing and trailing programs) are probably good to go. (thanks to @Andy Ful)
Note: I have same H_C and FH config on my girlfriend's laptop with Kaspersky Free and I never heard her complain about anything either.