Better price but still really high, and the ones in the refurb store right now take a significant hit in the graphics compartment.
😕 Graphics performance between the last-gen MacBook Pro and the new ones is pretty similar. The new card isn't a great upgrade, frankly. I'm not sure what's available in the refurb store, but previous-gen 15" Pros were going for ~$1300 after the Unibody came out. That's an amazing price for that machine.
I would seriously consider the MacBook, though. If you want a larger screen, spend a couple hundred dollars and buy an external monitor. You'll wind up with way more screen space than you would by buying a laptop with a 15" screen! I use my MacBook with a 22" external, but the new one will support anything up to and including a 30" display. Can't go wrong.
And it will easily handle Photoshop work.
🙂
As to your original question, is the Apple worth the extra cost over the Windows machine? Yes! You say you don't mind reinstalling the OS a couple times a year... that's fine. But would you feel the same way when you have a paper due the next day, your computer crashes, and you're stuck reinstalling Windows? I've been there. It's not pleasant.
I bought a Mac for University - in spite of the higher price - because of the stability. Yes, a well-maintained Windows machine will be very stable. But keeping it that way takes time. And even if it is well-mantained, the risk of getting a virus or malware is
still higher than under OSX. Running a Mac, you know your computer will always be there for you. Windows... well, once burned, twice shy. :/