True on modern devices. But not for my 10 year old laptop and Dual Core and DDR2. And if it blocks stuff it isn't supposed to...
Just my 2 cents, my HTPC is also an old Core 2 Duo (albeit overclocked and upgraded with an SSD, 8 GB of RAM, and a modern graphics card) and to save on precious CPU cycles, what I've resorted to is this: manually add exclusions for folders with the smallest chance of having infected files, leaving only the critical folders to still be scanned.
1. I have UAC at the highest setting so I'm always asked for things that try to use admin rights.
2. I manually exclude the \Windows, \Program Files, and \Program Files (x86) folders (reasoning: those folders and all their subfolders need admin rights to write to, so if malware is already in there it's already bypassed AV at install), and all the folders storing my personal files under \Users\<username> and other drives purely for storage, except for the \Users\<username>\Downloads folder.
When I save/transfer something from the Internet or from another PC or a removable drive, I always first point it to \Users\<username>\Downloads that is not excluded so it is scanned, and only then I copy it to its destination storage folder based on its type. This takes care of executables and any documents/media with possibly embedded malware.
This leaves to be scanned the Downloads folder, the \ProgramData hidden folder where apps can write whatever they want (and some choose to store their code there, sometimes dynamically generated or downloaded), and the \Users\<username>\AppData hidden folder where apps are only supposed to store config or data but some also store code, and includes the user Temp folder.
Hope you find out the root cause of your problem.