https://support.microsoft.com/en-us/help/4078130/update-to-d...
https://support.microsoft.com/en-us/help/4072699/january-3-2...
Customers without Antivirus
In cases where customers can’t install or run antivirus software, Microsoft recommends manually setting the registry key as described below in order to receive the January 2018 security updates.
For something like this, I think best-effort bad-AV detection would have been best. Seems pretty insane to disable security patching because they can't be 100% certain that you have a compatibly AV.
Disabling security patches is not acceptable in current year without A LOT of nasty and annoying warnings.
I thought stopping updates was only for the case of unpatched AVs that did not set the registry key...
So get a patched AV. If you haven't installed another AV, then Defender is there and counts.
MS doesn't provide an easy, GUI way of disabling built-in Defender by the way. If you 'disable' defender by using the control panel on windows 10, it only stops its activity temporarily and it can reactivate itself after 24 hours or something like that. You can permanently disable it through registry keys but it's not an officially supported, accepted method to edit the registry by yourself. There's a group policy for 10 Pro and other corp editions though.
For a normal home user, Defender is never fully disabled. It will deactivate itself if you install a third party antivirus, and reenable itself when you uninstall them. Bottom line, the average user is not supposed to be AV-less.