Sounds like relatively low risk activities. Email can always have malicious links, but anti virus won’t save you from that. Most of the time if you’re careful not to click some email that says Hey your account balance is overdrawn, please click this link to sign into your account or something similar.
I kind of wish there was some training program that everyone took before going on the Internet. Just knowing what to look for sometimes is all you need. There are rotten eggs out there, but they’re usually easy to spot.