Things have changed over the years:
As stated earlier, in the past, most experts would advise you not to rely on MS Windows’ built-in antivirus due to its unreliability.
However, that is no longer the case since 2019.
Before now, Windows users would usually deactivate Windows Defender and install other third-party antivirus programs. Things have significantly turned around.
In 2020, Microsoft Defender was voted one of the best antivirus applications. AV-Test, an independent testing lab, conducted thorough testing in May-June 2020. Windows Defender got a 6.0/6 score in the AV-Test report, which is incredible.
https://privacysavvy.com/antivirus/guides/is-windows-defender-good-enough/