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Seems odd to need to exclude your WD folder.
You might want to send a note to Microsoft about this.
I have my pictures folder excluded. Not sure if that actually helps anything or not.
If I were you I wouldn't exclude the pics folder, since there are viruses that can and do utilize photo extensions like that one.
As for the WD. Don't know why. However they will ask me to provide full sys info plus dumps, debug logs (AV program debugging is quite extensive and therefore exhausting). Honestly not quite the fan of that. After all it is supposed to be a protected program folder (not that it's perfectly safe) location. ;-)
I exclude my LR previews, LR catalog and settings, nefs, acr cache, etc from Defender scans.
Think this would be a good idea. One could add the LR catalog folders as well. However in the LR 7 series - things have improved hugely - so not that much of an issue anymore.