I do not visit websites that throw out constant pop-ups or start doing so.
Or use misleading tricks to get me to click something other than what I am looking for or trying to do.
And I ignore those all so "Enquirer" like links offering celebrity gossip, secrets, "You must see, read, etc. " wording. Or other such nonsense: "shocking", "doctors amazed", where the subject is basically fill in the blank and accompanied by the photograph of a scantily clad person.
I look at the URLs to see if they match what I expect. If not or if not shown - I do not go there.
I exit as quickly as possible from any site that tells me something is wrong with my computer.
I do not open emails from unknown sources and I have been known to even delete emails from older family members who just forward anything and everything.
Any downloads go to a folder and are scanned before opening.
I keep multiple backups of important data. Mostly family photographs some family data/research.
Financial data on my PC - yes. Summary in nature but no specific account data or links.
Doing well with Windows Defender/Security and Malwarebytes (free) from time to time.
Why: Defender is good and included. Malwarebytes is good and free.