Okay, now you covered most of what I was thinking of and I won’t mention the one left nor argue against one point I still am not convinced about, because of certain, if not obvious, reasons.
Making things as safe as sensibly possible, is a good thing, either way. I never had an incident either, though, and always used Windows, apart from a few months of Linux back when, which I had to give up because I had to use certain software at that time and there were no alternatives I could have used (I think for one there still isn’t) and while Linux was fun, and it felt good using it, it cost me quite a bit of time. And it’s simply not viable for many people. I doubt people who don’t know how to open a rar or even zip file, would access their accounts from public computers, open .exe files from unknown senders/sources, etc., would have much fun with Linux.
The penguin looks much more sympathetic than the Windows symbol, I admit, though. Maybe one day, under different circumstances, I’ll get back to it. For now, I’ll have to rely on Windows, common sense and pest control.