Well it’s back with a vengeance - I’ll limit my use to the iPhone until that image is removed..AVG has been good to me for 23 years, the last 10 full fat including driver updates & tune up. So I’ll get in more gardening time instead

maybe..
General IT concensus is that Microsoft's own AV is now "good enough". IMHO 3rd party AV software is more like buying insurance from your electrical retailer when you buy a new washing machine - not generally worth it. If you are prone to accessing unknown websites / mistyping web IRLs that may end up somewhere malicious, then I suppose additional AV s/w might be useful.
Probably better is to use a VPN (which can also trap bad web sites before they get to you) like
NordVPN.
To go even better, install a
PiHole on a Raspberry Pi attached to your router - that stops most reported bad sites being accessed (remember a lot of sites are accessed indirectly - they are embedded in other web pages) - mostly advertising sites of course - plus this has the effect of speeding up your web browsing. This does require a bit of IT fiddling but the instructions are pretty good!
Interestingly the biggest IT failure (earlier this year) - the CrowdStrike debacle - was effectively a corporate AV suite that went bad. And the biggest scams I see friends falling for are things like McAfee subscription renewals...