I don't use either as well.
To elaborate on the virus issue, Android is a very secure system out of the box. You basically have to be trying to get a virus, and even then the exploit may already be patched so it can't work. On Android, you must approve any app installation. As long as you stick to apps on the Play store and aren't clicking random pop-ups and such and then approving whatever app they are offering, you should be fine. Many malware apps are actually disguised this way. You'll get a notice that your phone is infected and suggest you download their anti-virus app because they claim only it will fix it. In reality, the notice was just a fancy animation and the "anti-virus" app you approve is what actually delivers the infection.