"Macs don't get viruses" was closer to true years ago when Windows dominated market share so heavily that malware authors simply didn't bother targeting the smaller Mac user base. That calculation has shifted.
Mac market share has grown enough, especially among higher-income users attractive to attackers, that Mac-targeted malware has become a real and growing category — adware, browser hijackers, and increasingly ransomware variants specifically built for macOS now exist in meaningful numbers.
Apple's built-in XProtect and Gatekeeper provide real baseline protection against known malware signatures and unsigned software — this isn't nothing, and it's more robust than older macOS versions had. It's not, however, comprehensive real-time protection against newly emerging threats the way a dedicated security suite aims to be.
XProtect works by recognizing malware that Apple has already identified and added to its definitions — which means it's structurally reactive rather than predictive. A genuinely new piece of malware, not yet added to Apple's signature database, can operate undetected by this layer for some window of time before Apple catches up and issues an update. This is the same fundamental limitation every signature-based protection system has, on any operating system, and it's the specific gap a continuously-updated third-party security tool aims to narrow.
The biggest realistic risk for most Mac users isn't traditional viruses — it's phishing, malicious browser extensions, and social-engineering-based scams that trick a user into installing something harmful, which OS-level protection can't fully prevent since the user is the one clicking "allow."
For most individual users with reasonable browsing habits, macOS's built-in protection plus basic caution covers a lot. For businesses, anyone handling sensitive data, or anyone wanting protection against the newer phishing and social-engineering-driven threats specifically, dedicated Mac security software adds real, non-redundant protection rather than just duplicating what's already built in.
Real-time web and phishing protection, rather than only file-scanning, addresses the actual dominant risk category for Mac users more directly than traditional signature-based virus scanning alone. A tool that only scans files for known malware, without browser-level phishing protection, is solving a smaller part of the realistic Mac threat landscape than its marketing might suggest.
Regardless of which security software is chosen, the single most effective protection remains pausing before installing anything from outside the Mac App Store or a well-known developer's own site, and being skeptical of urgent-seeming prompts to enter credentials or install an update. Software helps, but the majority of successful Mac compromises still originate from a user being convinced to click something they shouldn't, which no antivirus product fully prevents — the software is a backstop, not a substitute for caution and good judgment.