Not that I'd recommend browsing on an older, unpatched OS, but the modification in question is easy, and IMO worth the extra single click or keypress it introduces in exchange for eliminating "drive-by downloads" from questionable sites.
Chrome: Settings → Downloads → check "Ask where to save each file before downloading".
Edge: Settings → Downloads → check "Ask me what to do with each download".
Firefox: Settings → General → under "Files and Applications", check "Always ask you where to save files".
Safari (macOS): Settings → General → as "File download location", choose "Ask for each download". While you're here, uncheck "Open “safe” files after downloading" (Apple scare quotes "safe" appropriately, yet AFAIK still enables this option by default, even after it's been a factor in multiple exploits over the years).