If you had to set up a non-technical relative today (new laptop or phone, fresh install, you get one afternoon to do it), would you pay for a full security suite, or would you stick with built-in protections plus a short “house rules” list?
I’m asking because the threat mix has shifted.
A lot of real-world damage now comes from identity and credential abuse (phishing, session theft, OAuth tricks), not just classic “download an EXE, get a virus.” Verizon’s 2025 DBIR calls out stolen credentials as a dominant theme in common breach patterns, and Microsoft’s 2025 Digital Defense Report also frames identity attacks as a major driver.
ENISA’s 2025 threat landscape also highlights phishing as a leading intrusion vector and points out how often intrusions end up with infostealers, banking trojans, or ransomware.
So, what actually helps a normal person more in 2025: paying for “one box that does everything,” or keeping it simple and relying on the OS and browser?
A decent suite can be “one subscription that buys less chaos,” especially for families.
Common upsides:
Counterpoints people raise:
This approach assumes: “keep the platform current, reduce attack surface, and teach 6 rules.”
Why it works for many home users:
Counterpoints:
If you only get ONE chance to set it up correctly, what is the most resilient setup against:
I’m asking because the threat mix has shifted.
A lot of real-world damage now comes from identity and credential abuse (phishing, session theft, OAuth tricks), not just classic “download an EXE, get a virus.” Verizon’s 2025 DBIR calls out stolen credentials as a dominant theme in common breach patterns, and Microsoft’s 2025 Digital Defense Report also frames identity attacks as a major driver.
ENISA’s 2025 threat landscape also highlights phishing as a leading intrusion vector and points out how often intrusions end up with infostealers, banking trojans, or ransomware.
So, what actually helps a normal person more in 2025: paying for “one box that does everything,” or keeping it simple and relying on the OS and browser?
The case for paying for a suite
A decent suite can be “one subscription that buys less chaos,” especially for families.
Common upsides:
- Extra layers beyond basic AV: scam protection, web protection, exploit mitigation, ransomware controls, sometimes identity monitoring, parental controls, cloud backup, VPN, password manager. (Example: Norton 360 bundles VPN, parental controls, monitoring features depending on tier.
- Central dashboard: easier for you to manage or at least verify “it’s still running.”
- Some products perform well in independent testing, and suites can also be relatively light on system impact depending on the vendor and configuration.
Counterpoints people raise:
- Bundles can encourage bloat: more prompts, more browser add-ons, more “upsell” noise.
- A suite does not fix weak habits: password reuse, clicking everything, approving prompts, giving away one-time codes.
- The suite is only as good as updates and the user not disabling it.
The case for built-in protections plus a few rules
This approach assumes: “keep the platform current, reduce attack surface, and teach 6 rules.”
Why it works for many home users:
- Windows 11 includes Microsoft Defender Antivirus and SmartScreen-style protections, updated continuously.
- macOS has built-in protections like XProtect and Gatekeeper.
- Android has Google Play Protect scanning and related protections.
- In independent lab testing, built-in tools like Microsoft Defender can score competitively, depending on the test period and scenario
- A reputable password manager plus MFA/passkeys often reduces real risk more than adding a second “virus scanner,” because stolen credentials keep showing up as a primary problem.
Counterpoints:
- Built-in is not always “idiot proof,” especially if the user ignores warnings.
- Some people benefit from stronger web filtering, safer banking modes, parental controls, or a tighter “support model” that a suite provides.
The real question
If you only get ONE chance to set it up correctly, what is the most resilient setup against:
- Credential theft and phishing
- Malicious downloads and fake updates
- Scam calls/texts and QR scams
- “I clicked it because it looked urgent” behavior

