"I don't visit malicious sites, and don't run suspicious files."
How do you know? Today's safe site can be tomorrows affected site.
That's why you need protection.
Experience.
Understanding what I'm doing online or on my PC, and what's actually going on.
Manual adjustment of which processes on my PC are even allowed to accept or initiate internet connections.
Etc.
It's been 15 years or so since my last computer infection (which is a result of a lot more serious approach to my PC protection, but without slowing it down with superflous software).
What I don't like is when some program, like Avast in this case, hides something in task scheduler to install some unknown things without my knowledge.
They at least should have indicated it in the Avast's settings (and I don't mean its hidden advanced settings), since every person should have 100% control and ability to make a choice when it comes to what they want to have running on their computer.
That's why you need protection.
What I need is a balance between protection and stability of my Windows and all the software I'm using on it.
Whenever I tried going for the most recent software (vs. the most stable, tested with time) I often ended up having issues as a result. Avast is no exception.
So for many years already I aim to use the tested and stable versions instead of most recent ones.
I think I have enough proof by time and experience to go for compromises, even if in theory it can make my PC more vulnerable.
I'm still sure that it's unlikely I'll run into any problems with viruses.
Same thing goes for OS as well.
I bet many people would say I should switch to Windows 10 (or especially 11).
But Windows 7 covers all my current needs.
And most importantly: I don't like Windows 10 at all (yes, I'm forced to use it, but not on my main PC).
I'd like to make my own decisions.