even windows 10's built in defender slows down file transfers massively due to its "real time scanning". it can be disabled through secpol.msc iirc and I got way faster speeds.
the best attack i've had is ones spoofing my bank's email address and making it seem like a legit email asking me to logon and add a phone number to my account or something.
nearly got scammed from a game keys website, trying to pay with paypal and instead of sending you to legit paypal checkout they send you to their own identical looking version which scrapes your user and pass first