I thought along the same lines as the OP until a little over a month ago...
I've been a Mac user since 2006 with my Macbook 13", I generally hated computers until I got that thing. It lasted me (well, technically it's still ticking actually) 7 years of daily use as my do-it-all machine until I upgraded to a Mac Mini i7. The only issue I had with it was a HDD failure (which was really my fault from the way I was using it) and a couple of dead batteries, which is a current problem that I'm not sure I feel like replacing again, it only works now if it's plugged in.
I used my Mac Mini for a year and recently was persuaded into buying a PC by my gaming friends... darn it, they've done what I thought couldn't be done... I'm a PC convert. Windows has come a long way, I've got Windows 7 on my PC and I'm learning to like it, though I still prefer OSX... but, Windows 10 looks to be bringing so much to the table that I doubt I'll be missing OSX anymore.
Yes, Apple machines are very reliable (for the most part), but they also lack any real upgrade-ability... which I know if you're anything like I was you'll scoff at that comment with something like, "You don't need to upgrade, everything on it works fine", but sadly that's simply not true. You simply don't know what you're missing by being able to upgrade until you have the option.
The PC I bought I got used... well, sort of, it was a build a guy made using some spare parts and some new ones that he got so he could sell it as a complete machine. It's got a 6 Core AMD CPU (1090T) clocked at 3.2ghz (a full GHZ faster than my Mac) from 2011 and a pretty respectable dedicated graphics card (r9 280) with 8gb of RAM and a 1TB HDD. Basically, it kicks the pants out of the specs on my i7 Mac Mini (though the i7 in the Mac is arguably faster in some applications at least in benchmarks) and it cost me less than half what my Mac cost me... I paid $400 for it and my jaw dropped at how flawlessly it ran. I've already thrown in a 250GB SSD and overclocked the CPU to 3.7ghz (something you can't do on most Macs).
Will my PC be as reliable as my Macs have been? Time will tell, but the difference now is, if there's one area of my PC that's becoming outdated I can replace that one part for a small fraction of what it would cost me to just buy a new computer. The same can be said if a part fails.
The only thing my Mac really has going for it over my PC imo is the OS and the form factor. I love the look and size of it, but the cost for performance and the literal cost aren't worth it to me so it'll be getting sold in the very near future.
So how often will I be replacing my PC? As a whole, likely never. I'll more than likely just be replacing parts as/if they fail or I see the need for an upgrade.