Check it out.
Yes, I think there is a yearly cost, don’t remember exactly how much.
But check it out:
I’ve been using solely windows defender on my last 4 PCs. Not one problem. I do use noscript and adblocker on my browsers, though, so that probably helps.
Save your money.
Also, as others mentioned ... no risky clicks.
(If you must risky click, use your spare computer, not your good one.)