Indeed.
The whole issue of blaming stability on an OS is somewhat of a bad concept. While the OS *is* a factor in it, its far, far from the only one: hardware stability, the software you are using, the way you have it configured, etc. will all play a role in the way the computer works. The idea that apple's use premium hardware is also silly, its no more premium than you'd get with any other major computer manufacturer.
You *do* pay a premium for apples because there isn't any competition for their OS because of the way they have it setup, its just something you know getting into it. I'd be interested in seeing how Apple would respond to a bundling lawsuit, same as what Microsoft had to do.
This whole idea of blaming Windows or OS X for stability at this point is futile. The OSes are solid enough stability-wise that its generally due to something interacting with the OS, either user or software-wise.