Nice post
As for myself, I was self employed since 1995 - Dec of 2024, and my first experience with computers is when Windows XP was the OS. Ever since then I've used an AV, due to that lack of security with XP. Then when I started getting more files from my accounts from their email and portals, so really needed to use a AV, to let those AV engineers software help protect me on the 4 PC's used in my business. I wanted to make sure all emails, attachments, and files sent had at least a form of AV scanning security to them. This was before I knew about Windows Defender hardening tools.
I had tried Windows Defender in hardened mode (Windows 10 PC), but it at times it flagged a file modification from a known good file, and I just didn't want to take the time to play engineer (I am not one

) to modify whatever, or change a setting temporarily, and rather a software did as much for me as it could on all those devices, especially with 4. I also wanted to use the browser protection the AV more easily offered across multiple browsers. At times I worked 60-70 hours a week, and needed to keep things more streamlined, which a paid AV did for me. I've never had a serious malware incident other than the occasional PUP's found in the past.
In and through all of that, I've just appreciated what a paid AV could do for me. When I had a huge Dropbox account/folder, it would take Windows 10 a bit of time to populate that window, with F-Secure or Avast installed, it was instantaneous. Just some of the little features and settings things I like in a AV, let alone I'm not a huge fan of using a DNS personally, so I like the AV and browser extensions better
One of the things I like about F-Secure, is that you can absolutely get it without bloat, or pop up notifications with the Internet Security. The main UI now will show you ghost panels of what you could upgrade to (upsell panels) but it's totally quiet in that way.