Yes, I have heard that LepriconSoft's UnicornOS runs quite well on the Hypothetica-9000 processor but everything else has the same real-world problems with faulty hardware and drivers.
You might have a stable setup but that's also true of well over 99% of Mac users – they just also don't tend to go on forums and say “Yeap, everything's still fine here!”.
I used Xubuntu or Fedora (dev), Windows 7 (Office), and OS X (XCode) for hours every day for years. I had two self-built machines running Linux, a laptop and a self-built machine running Win 7, and OS X running on a Mac Mini and later a MBA.
Since then, I've also had another desktop and a laptop running Win 7 and Win 8 (though enough coworkers use GDocs now that I've stopped using Windows at all).
Both Linux distros and all OS X versions (from Snow Leopard to Mavericks) have crashed countless times on me. How much they crashed has varied a lot between setups.
Windows hasn't crashed for me (or any of my friends or relatives for whom I'm their IT guy) since Vista came out. It's also never crashed on my old Mac Mini, which is my HTPC setup now.
Whatever you think about the finished products or companies behind them, it's really just a matter of testing and incentives. Windows 8 was tested for 1.2 billion hours before it was released, for example. Microsoft can do things slowly, but when they release something, it has to be rock-solid for their enterprise customers.
OS X, for Apple, isn't a moneymaker and its stability/security obviously isn't much of a priority. They didn't even give it a significant design refresh in years. That's how little they care about it.
The latest version of Ubuntu's desktop edition will ship with at least one head-slapping, show-stopping bug, even though it has a company backing it.
That said, in my experience that means it's caught up with OS X. I've had maybe one kernel panic in years and that was caused by a VMware driver bug. This has been true for most people I know.
The only people I know who have problems are either the ones who install a ton of low-level extensions (Windows or Mac) or a couple of Linux laptop users faced with the option of either having really slow GL performance or using indifferently maintained binary blob drivers.
But your argument holds, stable, well tested, non-fancy software is the way to go regarding stability.
Yes my OS might be boring and my Desktop UI looks like 1999 but I can say in good faith that my system never crashed on me.
[1] http://www.microsoft.com/whdc/images/device/wddm_timeout.gif
FYI, there are OS distributions that do not crash. My sound card sometimes doesn't survive a hibernation but that's a known hardware fault. Not that a OS level crash would lead to any data loss.