Hell, cellphones these days ship with spyware pre-installed. Samsung being the one of the worst for filling their phones with their own apps which spy on you constantly.
Believing you are more under threat from sophisticated government hackers rather than unsecured IOT devices, unvetted npm packages or hijacked download links is just LARPing for people who want to sound more important than they actually are IMO.
This accounted for most of the risks on the wild west internet, but the worst case scenario of permanently losing data or having to reinstall Windows was actually rarer than it was made out to be imho.
These days the common risks are the same, except they're no longer risks - all of those have been built into the fabric of everyday internet usage and criminals have been replaced by businesses. It's like the cliche about Vegas being better when it was run by the mob.
That stuff is still there if you look for it, but it's not on your social media feeds or in any of the apps provided through app stores.