Windows defender is usually more than enough, its gotten pretty good over the years. Thats all you really need, its not perfect same goes for any Anti Virus program's, most are just bloat and a pain to get rid of in some cases when it does slow the system down to much.
Though I would suggest to them paranoid people to run something like Malwarebytes premium and thats it, yeah its not an Antivirus but it picks up viruses and works well along side of Defender, of course there will be some performance cost, mostly on lower end systems.
Can also just run the free version and manually scan from time to time, I don't use it anymore on my personal rig, haven't for years, but it is on my flash drive just in case I get a computer in for repair thats running weird and slow, also Kaspersky Free Virus Removal Tool.