Buying and using good AV software for finding malicious things and clean them up on your devices is good but such AV software is only a secondary protective layer. The first layer should be habit when using devices, and when you're online, that means having a good and safe Internet surfing habit as well as when using devices offline are the most important protection.
First and most important, keep your devices clean by good offline use like no arbitrary connect it to any USB sticks, disks that can infect the devices. Then it will be a next online habit, and together good habit offline and online will mostly keep your devices out of threats.
Lastly AV software will provide extra protection for your devices, wallets and accounts but it might have false negative or false positive so relying completely on AV software is not actually safe.
I agree that it is still up to us how we access any website. AV will remain necessary; at least, you will be able to filter out infected files online, not new viruses and malware, but those that are already in their database and can be removed from your PC immediately to protect it.
If you have good PC specs, extra RAM, and a drive, having VirtualBox with an installed OS would be another layer of protection because most people usually access random and potentially dangerous sites that contain malware without their knowledge. Having a VM in your PC is good because all your browsing activity should be in your virtual PC, and if that becomes infected, it will only infect that virtual PC and not the main PC if you set it up properly, such as by turning off shared folders.
The normal habit cannot always be followed, but having an extra device or virtual machine is always a better option for avoiding online attacks, plus having AV is another layer.