@Dredrix : You config will remains in
Risky until You turn on OS File Reputation (SmartScreen) and add an Image System Backup solution (consider to use Macrium Reflect Free or AOMEI Backupper, both free and reliable).
About Real-Time Protection, as already mentioned, MSEssentials is not enough protection, consider some of the already mentioned suggestions about Free AVs: Avast Free, Kaspersky Free, Panda Free, Avira Free, BD Free, also in combo with VoodooShield.
Also, consider to update to Windows 10 and suggestions about browser extensions and on demands scanners (ZAM Free, EEK and NPE.).
Thanks for sharing Your config