I have 7 years don't use any antivirus. Once a month scan utility and it finds only modified the hosts file, which I changed, and different pirate games.
Maybe you are good with your skill and you don't visit strange website. That save you a lot.
But for people usually visit xxx, porn website that's will be terrible if we don't use any Anti-virus program.
With Windows 10 Windows Defender is the perfect one already.
And yes, I'm scare with hackers, scammers. So I use both anti-malware and Internet Security.