Antiviruses are not as good as we'd want, I wouldn't rely on them. For the browser, it's best to use both adblocker addon and no-script addon together, and only add very trusted sites as exceptions (youtube, google, etc.). As for software, usually miners and other malware comes with cracked software or just some shady sites. So, it's better avoid it, or at least do some research to use more or less trusted sources for cracked software. But what is more important than mining malware is to never use any crypto wallets on potentially unsecure machine, because crypto-stealing malware is far more dangerous.
Depends on what antivirus you are using, some free version are certainly not the best solution and also some paid versions sometimes can create more problems than benefits. I do not want to promote specific software I use, but it is all in one complete solution (AV+Firewall+Antimalware), and it is working perfect for years, with help of Malwarebytes Premium.
Every attempt to launch mining script is successfully stopped and every file is analyzed - so I think every user can be pretty well secured online with a very small investment. Of course, such software should be updated on a regular basis with latest antivirus/malware definitions.
As for the crypto wallets, only safe way for me is hardware wallet - I do not trust any online or desktop wallet, even with all the precautions I take.