This is important for me to know. That some percentage are OS X and some greater percentage are pre OS X means little of those of the older OS are not spending money.
Speaking from experiences with my customers (publishers, marketing agencies) I can say: Many MAC users still refuse to switch to Mac OS X because their applications are not available or suffer from first version problems. Many other MAC users cannot switch over due to incapable hardware resources and prefer to continue using their machines (as these are not faulty) with software they know.
Most of those customers of mine that have switched noticed a (partly dramatical) increase in support costs for their Mac clients. Some have therefor switched back to Mac OS 9, which results in paragraph one observations (stability problems with applications and or users - user error, please replace!)
With Quark and Photoshop slowly coming along for Mac OS X the pressure to switch to X is increasing. The "installed base" of Mac machines is quite large at those customers, so I would tend to say: You will have Mac OS <=9 users at least for the next 2 years at a ratio of at least 40-60% of all installed Macs. It is difficult to predict, though, since I do have customers leaving the Mac completely for PCs due to cost/support ratios, partly performance issues and others. But that has nothing to do with your question, I admit.
No, those not switching are not generally refusing to INVEST. They are just refusing to go for the latest Xmas-tree just because it's new. They have working tools that they have learned to know for years - and one pro of the Mac platform always has been: If you know one application, you know all of them. Getting Mac users to "love" a new system (which Mac OS X is) is harder than getting a PC user to admit that a Mac has advantages at all :-)
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