The first BSoD I ever experienced for myself was on Windows 10, and they were incredibly rare for me. My XP machine was largely disconnected from the internet for the majority of its existence and the only issues it had were because it was a literal shitbox potato trying to do more than it could handle.

I'm not saying it was 100% perfect, but compared to the horror stories everywhere else it might as well have been. Being careful online certainly helps, as I never caught a virus that I wasn't intentionally trying to test just to see what would happen.