The problem with thinking that Microsoft has your back is rubbish, pure rubbish.
With the terrible “independent” test results Microsoft now recommends using a
third party anti-virus and third party anti-malware software.

The one thing that every anti-virus has in common is it’s “one size fits all”.
That is why any user should always use the custom install. Doing this ensures
you get what you do want and not what you don’t want and/or need.