Is malware really something the average user of any modern desktop OS is concerned with? OS-level security has been improving dramatically over the last couple

Is malware really something the average user of any modern desktop OS is concerned with? OS-level security has been improving dramatically over the last couple decades and I obviously want that trend to continue. But at the same time, most of the things the average user does with their computer has been offloaded to some server which the user has absolutely zero control over. iOS may have less malware than macOS, but I'd bet anything that the average iOS user stores way more of their personal data on third party servers than the average macOS user. If my macOS device gets infected, I can at least reinstall the OS. If Facebook or whatever get hacked, I'm screwed.