Why did you list fileless malware as a separate question? It is just a kind of malware, that uses LoLBins ( native windows utils ) and scripting. It was new a few years ago. AV's should be able to detect them. I don't how good exactly Defender is in this regard, maybe someone else could answer that.
Generally speaking, if I were to rely only on Defender, then I would harden the machine. WHH is a good tool I use when I am too lazy or pressed for time. It takes me 4 hrs to securely harden Windows manually: disabling services and network protocols, Windows Security Baseline, additional group policies, firewall rules, anti-exploit guard, SRP, WDAC, event viewer detection views, and I forgot what else. I have it written down as a procedure. Generally speaking, every native defense that Windows has that has a user configurable component I will put it to use. It is posted here:
Setup Idea - Harden Windows 11 Home for Security It is the free version that I publish as "open source" demo, I was selling the Windows Pro version. It was also intended as a free tool to help those that were hacked (malware writers are still hackers, they just spray and spread widely) . I grew tired of it and decided to tackle Linux security.
@Andy Ful does more than I do, he programs easy to use free security tools, like WHH
Serious Discussion - WHHLight - simplified application control for Windows Home and Pro.)