1) Windows Defender is alright, but it still lacks zero day protection, and no web protection.
2) I agree that Windows Firewall is good, but i still prefer full internet security suite because they add more modules to assist Windows Firewall such as BitDefender, ESET, Kaspersky, and Emsisoft.
3) Mozilla Firefox, Internet Explorer, and Google Chrome Phishing filter is not good compare to full internet security suite.
4) I will never put a lot of hope onto WOT because they are not always accurate.