I'm using Windows, OS X and Linux for 30+ years, didn't have a virus or a malware or anything else.
The last time I had a virus was on my Amiga which I got at a copy party in the Netherlands.
I think it is perfectly fine that you want the security from the Apple store and pay 30% on top for this, but why should I pay those 30%? It's not some kind of insurance that works better the more people take it.