I work in Cyber Security and I would never want to run any Next Gen antivirus software (such as Defender ATP) on my private computers. For a corporation or organization that wants tight control, these are perfect products. You can go full Orwell 1984 on your org with these tools and they do provide good endpoint protection including graph and AI based (post-signature) antivirus and full Event Detection and Respond* (essentially a spy-black-box), which is great if you're a company or org. However this is a future you do not want to be part of in your private life.

* See for instance documentation on Microsoft Defender ATP EDR in Block Mode