If a user is click happy or not safe in there habits, nothing is going to work as it should, it's on them. I don't see a business user doing any of these, maybe an employee.
I don't see this as a problem with JDBush61. This is just an extra layer of security, just like turning the firewall stealth on, or encrypting the files. He ask about security, this is the best answer I know, from experience. I just upgraded two Apple systems last Friday one Imac and one Macbook Pro for a friends business.
The odds are you may never have any problems or infections with a Mac. The answer yes bootcamp works well. You are just using a dual boot with two different OS. You can run all windows programs and apps in the Windows OS. Each OS should have Malware protection.
The answer is yes a Mac can can be a carrier of malware, with no affects on it's own OS. The ratings are just that, I haven't found anything that is perfect.
There are Macbooks and Windows in my own personal network and never has a Mac infected a Windows OS.