you know what botnets are?
you know how many home user computers are involved in botnets?
you are right that average home user will probably not need to worry about DDoS attack, but becoming victim of other inbound attack is not impossible or so negligible that you not use built in windows firewall even
Firewall is like a gatekeeper in a gated community...see's network traffic coming in/out over network protocols (cars go in/out of gated community)
AV/etc software is like you putting locks/bars/etc on your doors, windows, and alarms/motion detectors/etc on your house (try to make it hard to break into your house, and if they do break in, try to mitigate the damage they can do by sealing off rooms from one another)
if attack from outside --> into gated community, gatekeeper will have chance to stop that
if they get past gatekeeper, then your locks/bars/alarms/etc will try to stop them from breaking into your house
if they break into your house, your security system still tries to limit the damage they can cause by sealing off rooms from one another (so they break into living room and break the TV, the doors to your bedrooms are still protected so they again have to break into bedroom to steal jewellery etc)
So they break/damage/steal some stuff (since your protections failed, either all of them or only some of them) but they still need to leave with the stuff they stole and took from you
so then they have to leave the gated community by again going past gatekeeper, so if your house protection is linked with gatekeeper then gatekeeper will know to stop those thieves from leaving..
if they are stopped, yes your things are damaged, but all your stuff is still there and can be returned to you at least
In above scenario, without having a gatekeeper, it makes the job so much easier for the thieves