So base on your valuable point got me thinking you specifying "clipboard malwares" because clipboard hijacking Malwares normally copy data intercept data being copied and pasted and replace it with malicious code. That why they can replace addresses by changing it to the hacker address. So was force to make some research and found out that they different Malwares with different uses to hackers right
There is practically no difference between "clipboard" malwares or any other kinds of malware for that matter. Once your computer gets compromised, the possibility that the attacker can do is limitless. They can access your computers, change whatever is on your clipboards, dump your memory, etc.
You probably won't get infected if you're sure that you do not run any unverified or otherwise suspicious files or go to any malicious websites (most of these actually rely on vulnerabilities to escape the browser sandbox). AntiViruses ARE NOT foolproof, they compare the files against the behavior by known malwares or by looking at the signature to classify the malware. Hence, it cannot detect everything. When in doubt, use a hardware wallet.