there was a vulernability on the iphone a while back where someone would send you a specific hindu character and it would crash the OS. it can get you no matter what you do really, use or business. the difference is a business has a lot more to lose.
as for the OS talk..
I use MacOS on my macbook & Linux on my desktop at home. I don't think Mac is intolerably locked down. I have virtually the same experience on both. Mac is a very smooth experience once you set it up how you like. I have the same command line applications, the same config files, the same firefox profile that gets synced in between them, same unix utilities that share folders/files as if they were native, can ssh from one to the other, etc
including windows in that would be a PITA
windows is clunky and the company pushing it is becoming progressively more hostile to its users. apple is greedy but at least with their OS it's not pushy. it's the hardware where they stick the knife and twist in terms of price
what work app?
i mean, it depends on your computer (like if your cpu & motherboard supports virtualization) but you can in theory get a VM with pretty decent performance
on my m1 macbook i have a windows VM that runs very smoothly and i can effortlessly use a gesture on the touchpad to switch between them. it's pretty cool
on linux it's a little harder to set up (i had to pay like $100 for the software on the mac) but it's doable