I use Windows inbuilt av but every computer is running a paid version of Malwarebytes. MBAM has 4 protection modules: web, exploit, malware and ransomware. I was lucky to have purchased 5 lifetime licenses so I don't have a yearly fee to use the program.
You could use the inbuilt free av and MBAM free. (when you download it, there is a trial of the paid version; after 7 - 14 days, it reverts to the free version). Just be sure to scan with MBAM once a week.