How much do you care about your security?
2 out of 5. As a "home gamer", and sole user of my computer, I'm comfortable enough with my Internet hygiene and security posture with my home network that it's a low risk.
But if you're travelling for work (like I am) you may need by policy side pillar airbags, which is precisely the reason I wasn't allowed to use my car for company business and had to get a new lease car.
I mean, ok, that's fine. If your company requires you to use a specific OS, or a car with side pillar air bags, that's a completely different story. OPs argument is basically "if you're not using the most modern, most powerful, hardware possible you're a loser." which is a completely different argument. Their assertion is that you need the most power possible, without espousing a requirement for such a thing.
Also to your car analogy... Not everything in life is about power.
It wasn't my analogy, I was expanding on theirs. I agree with your point, not everything is about power, that was literally my argument.