For me, it's in the over burdening, heavy-handed, intrusive and resource hungry bracket. However, your bracket mileage may vary.
Defender is resource hungry and not very good AV solution when it comes to detection. However it's OK if you only goto known trusted websites and only download from reputable sites. Check AV-comparative performance benchmarks. M$ can definitely release better version but they will "Not" to avoid regulatory scrutiny. They definitely don't want another "Internet Explorer" saga with EU.
No just no. Gonna get cold in here.
Correct as all you are doing is buying a subscription deal to get the latest definitions, these days while we have defender doing this already you really are only buying Malware defences which this does pretty well, I suspect over the next few years defender will have this covered and these AV companies will have only business use.
For those who dont know McAfee is in the top notch bracket.Hot.