It's unnecessary for users smart enough not to get viruses. Pretty necessary for users that aren't.
How would you (or she!) know that?
>visits a handful of news websites
That's exactly how I got my only zero day virus in 20+ years of tech career. News sites have sources. Some news are rumors. It was very long ago and i pressed source link to 'semi accurate' tech news source in a news about CPUs.
Your best bet is to replace hdd with ssd or replace laptop and turn everything to 'recommended' or even 'security recommended'. Yes 8ms delays on some file opens will be there but people can live with that.