Must respectfully disagree. The money and the system resources aren't even the real issue, it's security. Using one of these programs seems like giving your keys to a horrible excuse for a guard who will just let in anyone who asks. They increase the surface area an attacker can exploit, so there's a very strong case for them actually making your system less secure, as has come up many times. For a few examples:
https://www.cbc.ca/news/science/antivirus-software-1.3668746
https://www.itpro.com/security/29665/does-antivirus-software-do-more-harm-than-good
You Don’t Need to Buy Antivirus Software
Between that and just how bad they are at catching modern threats, it quite debatable whether you should install one:
You Can’t Depend on Antivirus Software Anymore
Still paying for antivirus software? Experts say you probably don't need it
It's always your call, of course, though speaking from personal experience I find these programs to be digital snake oil at best. Tried most of them, and had to reinstall Windows on three different occasions due to malicious code breezing right past some of the biggest names in the business (yes, they were updated just before opening my browser, and I kept Windows up to date as well). Number of times any of them actually stopped malware? Zero.