Is there a single, clear, accurate answer? If someone is using Windows 10, should they also use Anti-Virus software? And if so, what do people recommend. Yes, I've gone out and searched around the internet, but I'd rather trust the responses here than "out there."

Thanks

EDIT: As an example, here[1] is an article arguing not to install AV s/w.

[0] https://en.wikipedia.org/wiki/Betteridge's_law_of_headlines

[1] https://cheapskatesguide.org/articles/no-anti-virus-sw.html