That may be okay for the average home user, but in a business environment where data is critical it's unacceptable. "It hasn't happened yet" isn't going to recover your lost data and productivity when it does happen, and it's not an excuse for running around with your virtual pants down. And since I use my primary laptop for both business and personal use, I keep my home systems at the same standards as my business systems (with the exception that I use free-for-personal-use tools on home-only PCs). Many people have personal data even more critical and irreplaceable than my own and would have the same concerns even if they didn't use their computers for business.
You miss the point. To own a Mac is, by its nature, to keep one's pants on. With the Mac, the belt and suspenders come built in. With a PC, you need to buy them seperately, and even then they're not as reliable.
Now bend over and put your pants back on.