Except that on Home edition it detects everything as a virus, so all programs have an explanation that if Defender detects it as a virus, then just ignore it.
I haven't been using Windows as my main OS for a few years now but at least when i used it with Windows 10 it didn't detect "everything as a virus". In fact i can't even remember a single time i had issues with Windows Defender.
Unless you refer to Windows SmartScreen? That is a different thing - really about how popular some program is (though Microsoft did put it under Windows Defender at some point so it can be confusing) - and isn't about the antivirus (which is what i was referring to).
Requiring an online account to use Windows isn't really the same thing.