Not sure why the OP would rule out hardware...
simply because, compared to PC's, Apple's hardware is not exactly on top with graphics.
Software is better that's for sure, but in terms of hardware specs, for $200 or so less, you got yourself a top notch PC, if you rule out the unreliability, drivers etc.
Having said that, people still for some reason focus on "its more secure"..
True, its more secure than Windows in terms not as much infection due to small market share, but that doesn't mean its immune...
There's been lots of attacks on the Mac I could mention.. Those mass Macs that all got infected by the FlashbackTrojan for example,, the SSL major security issue, and the just plain users installing malware by typing in their password without noticing what they are installing.
To be anyway, PC/Windows and Mac's, are the same...
I do believe in security, but i got to say its really blown out of per portion, saying you need this, or that, loading yourself up with tools that does nothing to a user if they go right ahead anyway.
It's just looks like it does..
People only say "you don't need them for mac" because its a false trend convinced by Apple in the early days, when there was nothing out there..
However, times have changed.