Even better: Ubuntu, it comes with Firefox and the system's structure makes it so you need to supply a password each and every time you want to use administrator privileges.
Moreover, a built-in firewall manages pretty much everything silently and viruses are not a concern.
The Mac structure is the same regarding the requirement to supply your password for big changes, but Apple's major failure is that they followed Microsoft's model of making the first account an administrative account and then not prompting you to make a second, non-administrative account. Furthermore, given how people just click through Microsoft's UAC dialogs I'm fairly certain that people would enter their password on demand without wondering why they were being prompted for it in the first place. Security is a mindset, not any particular set of hoops to jump through, and most people don't realize just how badly criminals want their information.
Linux still has a long way to go, though. I try it once every two or so years and there have been major improvements, but the last time I tried it (~2 years ago) I still had to reference the command line quite a bit. Installing software that wasn't in a repository and trying to set up dual monitors took me a very, very long time, even with a fair bit of Googling for advice. I'm not against learning the various Unix commands, but things like that really make it difficult for me to learn the OS effectively and adopt it as a primary use OS.
Windows 7 comes with any PC laptop you buy, and if you aren't using Firefox even on a Mac, then you may be too far gone to help now.
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Don't be scared of 3rd party software, it won't bite. The beauty of open source, community derived software is that it's a worldwide collaboration of constant tweaking and updating...not a room full of nerds in Cupertino deciding what is and isn't good for your user experience.
Safari may be Apple's own browser, but you do realize that it's based on an open-source framework, right? (That'd be Webkit.) Firefox is a bit overrated... but then, I use Opera
Regardless,
Blue Dog's point was about security, not web browsers and installation of third-party software.
But your post illustrates what I've always believed about Apple consumers: they don't know/understand computers except at the level of "Power Button-->Internet-->Music Player-->Watch DVD". Mac's cater to someone with this very rudimentary requirement from the machine, so works out nicely for you. But if someone has even the smallest amount of capabilities with a piece of hardware, the entire "Windows is unstable/BSOD/OMFG it ate my homework" argument becomes ridiculously invalid.
Unless the use of an Apple computer has made me stupid when it comes to computers, I disagree with this on a personal level.
Looking at the uses that people have for Macs and the user types, I still disagree with you. The Mac can be used in the way that you describe, but it can also be used for much more. Honestly, the usage pattern you've described also matches what I've seen for some Windows users. The difference is only that I receive less technical complaints and requests for guidance ("how do I do this/what does that do" questions) from Mac users than from Windows users.
But if it makes you feel any better, my mother was recently moved to a Mac and she still has trouble with a number of things
Also, just to let you know, Macs aren't virus free because of some brilliant software engineering. It's because the hackers sitting in Beijing don't think it's worth their time to make viruses for Macs due to the relatively low % of people running OSX. I'm sure a few "I'm a Mac; I'm a PC" commercials from now, the numbers will have changed and the viruses will start popping up.
Sorry, but that's not true. There are quite a few reasons why Mac users would be targeted - the generalization that people who use Macs are wealthier; the fact that it'd be enormous "street cred" to someone who managed to make use of an exploit to take over Macs on a large scale; and so on. OS X is based on the UNIX architecture, which is a bit more secure by default than Windows. Microsoft deserves credit for taking security more seriously in the recent past, but Windows is apparently still much easier to tip over than OS X.
You might be tempted to say the same thing about Windows vs. Linux, but if you've ever seen some of the black market pricing you'd see that control over Linux machines are worth a lot more than Windows machines. It could be economics (Linux machines are harder to take than Windows machines, and thus are in less supply) but it's suspected that it's due to the fact that Linux machines are generally up all the time and are very stable for running other operations. That's at least one argument against the idea that hackers are only targeting what's widely in use.
Believe it or not, there
have been viruses (technically trojans) for the Mac. They're not very successful, partly for two reasons: 1) these things are so rare, that any one that's even remotely successful generates a huge buzz that works against its success; 2) the fact that people are content to stick with Apple's own software and don't pick up a ton of garbage in their search for third-party software. (It's amazing to me how many companies market themselves as anti-virus/spyware and are actually spyware themselves.)
Otherwise, you're correct: Apple isn't that much faster than Microsoft when it comes to patching security holes. In spite of building a UNIX-based OS, Apple also decreases security by making the first account an administrative account, as I've mentioned at the beginning of my post. The fact that there are no true viruses for Mac OS X does indicate that the OS is rather solidly built, but whether a user is on OS X or Windows, the fact is that most people aren't thinking about security when they use their computers. The user is very often the weakest link.