> Viruses: doesn't really apply if you just download non shady things from the play store

Easier said than done, especially when looking for more obscure apps. Also, it's not easy for non-technical folks to tell the difference...

> OS fragmentation: doesn't apply if you're not a developer, just pick a phone that will have a reasonable amount of updates over its lifetime

How long is "reasonable" relative to iOS? I recently moved from Android to iOS mainly because of this.

> Privacy protection: really depends how you feel about Google on this one

I'm not sure feelings are relevant here. The truth is simply the truth.

> Presence of a secure element: this one really depends on your threat profile

Agreed, but it's good to have the extra security guarantees.