That's right, and is easily offset by not using Administrator account to browser the internet.However, if you were to initiate an outbound connection to a shady website, (or a legit website that was compromised....like this very forum even) the return traffic could contain malicious payload, and could also generate additional outbound traffic.
Then all that you need to do is regularly delete your account and create a new one to remove malware which the AV cannot detect, this way system is protected and there is no need to reinstall. (although ofc. it's still possible for system to be compromise ex. privilege escalation)
Therefore using a standard account to do daily stuff.
edit:
I know some people will correct me and tell me I'm wrong regarding Admin account:

How User Account Control works
Learn about User Account Control (UAC) components and how it interacts with the end users.
learn.microsoft.com
But I'm just being stubborn in this regard.
My Computer
System One
-
- OS
- Windows 11 Pro 23H2
- Computer type
- PC/Desktop
- Manufacturer/Model
- MSI / MS-7B29
- CPU
- Intel i3 8100 @3.6Ghz
- Motherboard
- H310M PRO-VDH (MS-7B29)
- Memory
- 1 x 16GB DDR4 @2400 MHz
- Graphics Card(s)
- Nvidia GeForce GT 1030 2GB SDDR4
- Sound Card
- Realtek VEN_10EC&DEV_0887 / NVIDIA VEN_10DE&DEV_0081
- Monitor(s) Displays
- Acer V226HQL
- Screen Resolution
- 1920 x 1080
- Hard Drives
- SSD 500 GB Crucial MX500 / HDD 1 TB TOSHIBA DT01ACA100
- PSU
- ATX, details unknown
- Case
- Everest 551B
- Cooling
- details unknown
- Keyboard
- Mechanical Gaming Hydra R7 - Rampage
- Mouse
- Logitech G703
- Internet Speed
- Down: 28Mbps / Up: 19Mbps
- Browser
- Microsoft Edge
- Antivirus
- Microsoft Defender Antivirus
- Other Info
- Bluetooth: TP Link 5.0 Nano USB adapter UB500
WLAN: D-Link 150 Pico USB adapter, N standard
Web camera: Logitech C270 HD 720p @30fps
Microphone: Trust MICO, model 23790