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1&2. Ahhh, yeah thats my point exactly? They don't get the viruses and attacks because of their market share/image/a number of other things. This is a good thing. And about security.. This is a good quote i found that I think sums it up pretty well
"The truth is, security is still not a major factor in most people’s OS choice. I’m sitting here saying I think Vista is more secure, but I don’t plan on switching off my Mac. Security is about being “good enough”. As the major target for attacks, “good enough” for Windows is significantly higher than “good enough” for Macs. Until Apple sees the same kinds of exploits on the same scale there will be little motivation for them to invest so deeply in security."
Heres some info on the improved security in Leopard http://www.securityfocus.com/archive/142/449695/30/60/threaded
Apple knows they are ahead of the game when it comes to being the focus of attacks but they are securing the os instead of having to fix it once its broken, something that MS has been grilled for in the past and may have finally got it right with vista.
3. This isn't a good point. Just because it's available doesn't mean you have to buy it. There are still 10.2 users out there just like there are still win 98 users. However, I'd much rather have the option to upgrade then not to have it. 10.1 was the only osx release that was really an 'update' (like sp2) the rest were full blown os upgrades.