AMEN! Today the greatest threat is from "social-engineering" -- clickable links in email, chat threads, text messages, and of course web pages. Safe surfing is not simply about which Operating System you choose, it's more about having 360-degree Situational Awareness and not trusting anything you don't recognize.
It's about like walking through the bad part of town at 2AM. Can it be done? Yeah, but you need to be super vigilant.
I absolutely agree. There is no OS or app that can replace a users self responsibility. :)