I have been using pc's for around 16 years, studied PC engineering, and work in IT. I know how to maintain a PC, and don't struggle to troubleshoot problems. Despite all this, I still experience problems from time to time, like many other people.
My pc was running problem free until I put in a card for some casual gaming (the 3870) and my problems started (when gaming). Both sets of drivers (the latest) I have tried have issues.
My 360, I put in a game it works. Well, except for that time the dvd drive failed, but I just took it back and got it replaced.
So its nothing to do with keeping up to date drivers, and nothing to do with poor pc maintenance. If you have not had a crash in some years in-game, then I'm happy for you. Doesn't change the fact that many do, and not because they don't know what they are doing.