I am not "rich" but I am comfortable. However, I feel it is far more expensive to deal with the constant problems and failures with Windows than my preferred Mac OS X -- I also use Linux and BSD extensively on my x86 computers. You pay a little more in the beginning with Mac OS X but end up saving tons of money in the long run. I never lose productivity or data due to viruses. I am not spending tons of money on firewalls, virus protect and data recovery. My Mac OS X comes with that built-in (sans virus protection we really never have virus outbreaks in Mac OS X or Linux).
Your "built-in virus protection" is better known as a 4% market share. Hackers would rather spend their time annoying the other 96% of us.
.........but.....
Last time I checked, Linus was a bear to install and understand for a non-nerd.
Maybe you could provide some insights and some sites where we could go to learn more about it.