They are just stupid then. One has nothing to do with the other. I guess you say there are no cyber criminals trying to access your banking info. Having a phone that is worse secure than Windows ever was is not good, because most people actually do online banking now when it was rare during the XP days. I try to avoid Google at all cost because I even noticed that if you search for something obscure through them, you will start getting emails about that subject. I don't use Gmail so I find that unsettling that they are tracking me close enough to know my email address to share with their advertisers.
Then your doing something wrong, I have had zero spam mail since I opened up a Google Gmail account 12 years ago. As far as Google tracking your Internet habits, well the Internet is and will never be a private place. I'm more worried about the US and it's allies using programs like Echelon to track us more then Google. I personally have nothing to hide as the sites I surf are very PG. So if your bothered maybe you should rethink your porn tastes. Most banks, at least in Europe now have dedicated apps to log on and retrieve ones account info, add that key-chain device that generates a random 8-digit access code and it's pretty secure.
I recently soled my Samsung Note to purchase a Nexus 4, if your going to use Android there is no better way to experience the OS then by using a Google phone and the updates are very frequent. I'm actually really looking forward to Ubuntu's new mobile OS though, it's the first time in a long while since I've been actually excited about a new OS. The ability to plug your phone into a dock connected to a monitor or hotel flatscreen and be able to use a full desktop OS has always been a dream of mine.
I've had a couple of iPhones and for the most part they were decent phones, never liked how fragile or small the screen was but all in all okay phones. However in the last two years I have become addicted to some of the features Android has and have no desire to use an iPhone again. The filemanager FX for instance allows me to always have access to my data from both my work and home server, not to mention all of my cloud storage accessible from one place. Android also has the ability to make the phone itself a wifi drive accessible from any computer. Some of you might argue that sand-boxing is great for security but I find it to be a huge hindrance, I really, really enjoy how Androids apps talk to each other. That and I prefer seeing all of my files in one area, makes it easier to find data instead of opening the app that made it or using a MP3 app.
Somebody above mentioned that Android 4.2.2 was just a minor incremental update, though I could argue otherwise I'm jut going to say that the new multi-user feature is fantastic. My husband and I bought our two kids each a Nexus 10 but we like to steal them on occasion, so the ability to separate our profiles is a really convenient feature.