I have always had an antivirus /malware on my computers. especially when I was uploading data to the internet, it provides a short opening when the data is sent. I doubt any of this is that sophisticated to rush in when rushing out is what should happen, such as trying to go in the out door at Walmart.
However, it is important to note that protection is always needed on Macs although there is still a faction who are under the illusion that viruses/malware do not attack Macs and they do and have always. the best medicine is not to download everything, to set the permissions on your computer to ask before downloading or letting any source do just that.
Yes, this is a biggie issue, I wonder though, was it introduced during the manufacture of the chip or in the operating system updates. My wife is still using Catalina on her aging MacBook Air . She hasn't let me upgrade it to Big Sur, and perhaps a good thing. it only has 4G of RAM.