The nice saying "I don't need an antivirus program because I have a Mac" kind of dies once you disable SIP. So, SIP is definitely not a bad thing. But, if you want to steer clear of malware, I would recommend you crank up your internet security.

Block all cookies if possible (yes, some websites absolutely need access to cookies to work for whatever reason)

Turn on Privacy Relay if you have iCloud+

Turn Gatekeeper to App Store only (allows downloads only from the App Store, you can find this in the Privacy and Security tab in System Preferences).

Steer clear of any shady websites. Avoid clicking on advertisements, and avoid opening links from spam emails.

Simply clear your cache on normal occasions.

And, just download a simple antivirus program for free for extra safety (there are hundreds out there).