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No Stupid Questions
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Using the default browser on an iOS device should be fairly safe, assuming that you accept all security updates as they become available. Outdated browsers, on the other hand, are a major security risk.
For legitimate free movie sites (Plex, etc.), ads are indeed the main source of income, along with paid services like the ability to rent current movies. If you are smart about it, they may not collect too much of your personal information.
For the rest, the business model relies on pop-up based scams, hijacking machines for botnets, and ransomware.
Browser updates on iOS devices are tied to system updates and people put off a system update longer that an app update. So no, not as safe as OTA updates independent of the OS, as they are on every other god damn operating system.
True, that is a thing to consider. I have to use an iPhone because I get it through my place of employment, and if I had a nickel for every time the actual OS postponed an automatic update because I wasn't connected to power / I seemed busy / the stars just weren't aligned properly, I would probably have over a dollar.
In that respect, I like my desktop (Debian) so much better: I can set it to update the OS automatically, which includes all installed software (as long as it's installed through the official repository), and it will let me know if something failed to upgrade, so I can do it by hand. Also, they rock at getting critical security updates out in a timely manner. I'm not sure how much I trust Apple with that.