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If nothing else, herd immunity.

That said, I don't know if there's any compelling reason to use something beyond what the OS vendor already provides.

Agree with you, on Windows. But when you go into Linux and Mac territory, there really isn't any OS Vendor specific security solution that does what many people need.

AV is still super important to have for people who don't understand that downloading a fake flash player to watch the newest game of thrones episode isn't the best idea. And there's a lot of those people out there.

Ironically those are the same people who will install 2 or 3 different virus scanners simultaneously ("just in case") thereby making their PC as unusable as it would be with even the worse virus.

Apple does actually have malware protection built in to macOS. It's not nearly as extensive as something like Windows Defender and is pretty much invisible to the user, but it does exist.

Herd immunity is a decent argument. Still, it is hard to evaluate the effectiveness of the solutions out there.

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