> biggest vector for malware is not an insecure operating system but user negligency

This is victim blaming. Windows have been teaching users to install from third parties since 90's, added auto-run features to removable media, hid files extensions making it difficult to detect files that could do harm, took a decade to implement processes isolation, never added a good package manager and spent years making fun of FLOSS.

Windows users may have a twisted view about security. I personally heard a few of them saying things like "linux is safe because nobody uses it" or "you MUST use an anti-virus". They may sound naive of negligent but in fact, they were carefully trained for decades to behave that way.