Re: "no problem giving Apple a pass" - One major difference
"Or they choose to use MS"
Very few people choose to use Windows -- Windows is just what comes on the machines people buy. To use Apple requires an active choice rather than merely acceptance of the default.
I think it's fair to say that Apple users, having gone out of their way to choose Apple products, know what they're buying into. I don't think the same is true of most Windows users.