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Your answer is that these free anti-viruses do not keep up with zero-day-threats! They are not truly protecting your systems let alone monitoring for up-to-date patches which are essential to keeping the bad guys out!
Let's be honest, life is busy and there are many distractions. Data backups fall to the way side. Having a paid data backup plan only makes life easier. I can prioritize data that needs to be backed up and when it needs to be backed up. Retention is key.
Services vary when the discussion revolves around anti-virus and data backup solutions but, there are promotional periods that can save you money!
My service normally runs $100 an hour but, these charges are applied respectfully. Don't expect me to send you a bill just because you called and asked a question.