But that's in a best case senerio. What if someone is using torrents, downloading from porn sites, and grabbing apk's from anyplace on the web.
Also, my concern is basically not for the phone, but for the pc they may connect it too. That is why even though I'd love to root my phone, I can't. My home was broken into not too long ago and we lost our computers. I would love to use my friends pc to root my phone, but their on-line habits tell me not gonna happen because of what I could be putting into my phone, only to have it transferred to any new pc I get when I connect my phone to it.
Bottom line, some need it and some don't. I know that most of the hype of viruses/malware is just that.... Hype. But I also know that not everyone is careful or diligent. As I said, it is basically up to the individual.