I think people become complacent. People read the blurb and think "oh yeah I'm secure." You are not. Bigger companies than us get hacked and I even think that anti-virus program writers put viri out there just to make you buy their products. I would never use Chrome for a browser or any antivirus other than what is on my computer. I don't like Edge one bit so I tend to use Firefox and Duckduckgo. If I get a virus, which I haven't to date in nearly 30 years of computing, I would just wipe my computer and start again. Second line of defence would be, if a wipe didn't work, stick a new hard drive in and re-install. Third line of defence buy a new computer. All my personal files are stored somewhere else 3 times. I'm not concerned about programs I have them on disk or saved in separate locations. I think that malware is the biggest problem today and I have had some nasty malware problems. It is a moot point as to whether malware is a virus. It can be as devastating as a virus BUT, and this is a big BUT, anti-virus programs do not deal with malware generally. Having said that my stratedgy is the same for malware as it is for viri.