I also use ClamAV, but only in specific circumstances, such as when a Linux server will be hosting end-user files. Perhaps a SAMBA server with a file share, or a web server which accepts user uploads.
In those cases, I might want to have it monitor the relevant part of the disk, but I also need to make sure my web application won’t fall over when the file it just accepted is unceremoniously ripped away from it. You can test that out using the EICAR file as your payload.
On a jump box, I might also have it turned on for scanning user home directories, by including /home, and then excluding any home directories for applications and daemons which might not deal well with having their IOPS nuked or delayed.