I understand that there are much better ways to protect, especially if the computer has anything to do with cryptocurrencies - but as for me personally, I do not deal with any risky things, I have a hardware wallet and protection with antivirus + premium Malwarebytes and regular system updates are quite enough for me - and they do not burden the system to the extent that it would bother me. At this point, it’s the level of protection I can live with and feel safe with.
Yeah, I guess my point is anti viruses can introduce complacency, and as long as you're aware of that you can mitigate it. Although, an anti viruses can also be a waste of money, if you aren't downloading untrustworthy stuff from the internet, and aren't surfing the web unprotected (noscript etc) then you're pretty much good to go.
Anything that can be verified should be verified, and anything that doesn't offer signatures to verify should be considered not worth the risk of downloading in my opinion. I know it can be tedious at times, but that's exactly why complacency creeps in.