The only reason that you can get by without using an antivirus app on a Mac is because nobody bothers to write any malware for a target audience of about 7% of the home computer population. Macs certainly are not without their problems. They have a rediculous amount of vulnerabilities. Have a read
here.
Every PC that I've worked on that had a BSOD issue was due to the user going somewhere they shouldn't have on the web, trying to perform DIY IT beyond their capabilities, or never applying MS patches. They're not as locked down as a Mac, which gets some folks in trouble. But that flexibility appeals to some of us PC useres (that, and having a mouse with more than one button).
Macs work well for most who own them. However, a properly patched PC with a current antivirus app will be just as reliable as a Mac, and a whole lot cheaper.
I have to respectfully raise the BS flag on this. A properly patched PC is NOT as reliable as a Mac. As for being cheaper--well, ya get what you pay for.
I used PCs for 20 years and put up with the BSODs, crashes, and software bugs in Windows 95, 98, ME, early XP, and (WORST OF ALL), Vista. It was Vista and hours of lost work that finally made me frustrated enough to take freinds' advice and get a Macbook.
Instead of a bloated DOS shell like Windows (that still uses many of the kernels and other basic architecture that dates from the 1990s), the Mac OS's are UNIX based and, by nature, much more stable and efficient.
On all my machines (especially the Vista one which was downgraded to XP so it was usable), I've always religiously kept Windows updated, kept the antivirus up to date, been careful what sites I visit, and used CCleaner religiously. I don't load up the computer with games, videos, and a lot of extra crap--never did. Despite that, I've had many annoying and time wasting bugs caused by the various iterations of Windows. Vista was the last straw--I went Mac and never looked back.
Apple simply makes a superior product for home computing.
I recommend the OP gets a Macbook 13". If you want a bigger screen, go to Best Buy and spend $130 on a 19" external monitor.
The extra $500 you spend on a Mac will be worth it in the long run. Kind of like getting the Lexus instead of the Kia. You will like it a lot more over the long haul.