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I don't think it's as bad as 95%.

While I won't say most people are capable of doing their own IT on a PC, that hardly means they don't know anything about computers.

If anything, using Windows forces users to be more savvy about the ins and outs of the OS due to encountering common problems and show stoppers that halt productivity.

Mac users are a lot less likely to be able to troubleshoot the problems they never encounter that they would on a Windows PC.

Most of the maneuvers I need to get a PC on Windows running smoothly are automatic on a Mac. Frankly, I wouldn't know how to "fix" even half of the problems I have with Windows because everything works invisibly with OSX without tweaking and re-configuring.

And also, Mac users have the big safety net known as the Mac Store Genius Bar where I've seen many a clueless user asking for solutions to common tasks most users with any level of user knowledge should know.

In a big way, it actually enables Mac users NOT to do their own troubleshooting, but then that's part of what people are buying when they buy an Apple.

And on the opposite end, there are plenty of OSX/Mac users that know more about computers than most PC users as well.

Using Linux as a replacement OS for all computing needs, not just installing Ubuntu in dual boot to claim what a savvy user one is, requires quite a bit more mojo to get the most out of it. Probably more than 95% of the overall PC user base if they're actually using it for something beyond basic word processing, e-mail and web surfing (which realistically is all most users need anyway).