What I described was my personal experience, every single time I reinstalled Windows, on the two PCs I have ever owned. I'm sure most people don't have such problems, but a significant amount of Windows users do. In OS X you're not likely to have such problems, in my experience at least.
The OP said that Windows isn't as "out-of-the box" as OS X is, and I find it to be true. In OS X the first thing I do isn't: "quick, change the default browser, quick, change all the default settings, damn, I can't believe my USB device requires a driver to work, crap, to install this, I first need to install that, which requires that update, which won't install without that other thing...".
A fresh copy of Windows is like a new house without furniture. It's a nice start but it feels cold, empty, useless, and you need to "populate it" to make it personal. It requires loads of tweaking and changing stuff around to get it the way you like. A Mac, on the other hand, is pretty much useable as soon as you boot it for the first time. Sure, you need to change stuff too, but you don't cringe when you realize that IE is the only installed browser, and that the wallpaper is too ugly for you to continue using the computer without changing it.
The other thing is that - in my experience - Windows needs to be reinstalled regularly in order for it to work right, and therefore you need to deal with the above issues on a regular basis.
Of course, once again, sorry for speaking in general terms, all the above is only MY personal experience, and I'm sure many people don't feel that way at all.