I cannot comment on McAfee as it's been a very long time since I tried it last, but I can comment on WD.
IMHO WD has improved significantly on the protection front. With every major release of W10 it's getting better and better. It really starts to shine when you configure it, which can be easily done with Configure Defender or Hard Configurator. Alternatively, (depending on your version of Windows 10) you can also perform these changes manually via registry, Powershell and or GPE.
With WD you are pretty much looking at the OS as a whole to provide the protection (Windows firewall, WD, Smartscreen, etc...). Yes other programs take advantage of some of these technologies too (or work along side them), but in reality you are relying more on that particular program, rather than the OS. Well that's the mentality when using a 3rd party product.
Also, it's always up to date, never expires, it's not in your face with ad's and such and most importantly, it's guaranteed to work with every major release of Windows 10.
On the performance side of things you are definitely going to get a variety of responses, as it varies from person to person and system to system. I would say that for a vast majority of people out there you probably won't notice it very much and in my experience, that is the case on both of my systems. However, if you have and HDD, install/uninstall a lot of programs and transfer large files very frequently, you will probably notice WD more during those tasks due to the way it scans, but other than that it's not noticeable IMO.
From your list I would say that if you look at WD and the system as a whole, you pretty much have everything covered. In terms of "web protection" you can enable network protection for WD to gain this ability, but in all honesty most major browsers (Edge, Chrome and Firefox) are very secure and can protect you from a lot of whats on the web. You can add an adblocker to help further increase your protection as well and an extension such as Malwarebyes, Windows Browser Protection, Emsisoft browser protection, etc... if you want a little more. IMHO things like "banking protection" is just snake oil, as it really only provides things like keystroke encryption, but if the website itself is compromised no amount protection will save you.
If I were you, I would try out both and find out which one you like the most. After all this is your system, so you are the one that need to be happy, no us
Looooong time no use McAfee so I cannot give a decent opinion, plus I dislike WD a lot; so just burn your computer and bury it 500mt below the sea level
So much hate, tell us how you really feel
