I disable Windows defender and all built in firewalls (my router has a firewall). I also don't run any anti-virus software. This is something I've done from the beginning.
But I do run uBlock Origin in any browser I use.
I also make sure to Win key + L (lock) my machine when I leave it unattended.
From time to time I check the startup tab in task manager to make sure nothing looks suspicious and occasionally look at things like CPU / memory usage to look for anything out of place.
So far it's been working out great. My current computer runs just as fast as it did 5 years ago when I built it and I haven't had to format a machine due to a virus in over a decade.
I find most things like Windows defender and A / V tools to be more destructive than most malicious software. Often times these tools will crush I/O performance and make things run slower 100% of the time in the off chance you get a virus. I'd rather have things run super fast all of the time and take my chances. If I get even a hint of my machine being compromised I would format anyways.