Why is a dynamic or real-time scanner required for all use-cases and on every machine? I can understand if it's mission-critical or something but most PCs are already secure behind several layers. For example, your enterprise firewall itself is a kind of virus/malware scanner, most of the malware links/scripts would be blocked at that layer itself. Another layer is Windows itself which has a built-in scanner called Defender. And even after that, there are offline scanners like ClamAV which can scan individual files on demand. If you have a habit of scanning every file after downloading it, why do you need a real-time scanner at all?