Well, since Microsoft offered free AV and then bundled with Windows, I'v never looked back and felt kind of relieved I don't have to install 3rd party AV. Defender just doesn't get in the way.
I trust Microsoft to do the right thing more than other AV vendors that put Value substracted features: ads, disturbing, user-hostile notifications, performance degrading bling-bling (toolbars...) etc.
If I really want to check some file, i'll let VirusTotal.com scan it via every AV product they are aware of.