Most people don't know what they're doing, and mistakes do happen even to those who do know what they're doing. Merely visiting a website with infected advertisements could infect a computer, and a real-time antivirus would be helpful in that situation, among others. I do not recommend people go without a real-time antivirus program because, even if one understands what he or she is doing, not having a real-time antivirus program does increase one's chances of infection.
To use an analogy, one is very unlikely (<1%) to contract HIV when on PrEP, but I wouldn't call condoms useless; they're still recommended.
I was going to link to this guide earlier before I noticed it got scrambled. It is a very good guide with a lot of useful information if one is willing to wade through the formatting mess.
Malwarebytes Premium is a real-time antivirus, but there's no need for it. Most real-time antivirus programs are effectively the same, and most people only use Malwarebytes for cleaning preexisting infections.
If one is looking for a real-time antivirus, I recommend Windows Defender (for its ease of use and the fact that it stays out of one's way) or Avast (for its effectiveness if you're a tech savvy user who doesn't mind some intrusion from time to time). Their detection rates are comparable, and I see no reason to buy a paid antivirus program.
Instead of building strawmen and putting words in other people's mouths, go use Windows 10 like you said you would and come back when you've found a legitimate criticism of it. No one's going to feed you.