What about programs like Phonedisk?
http://www.macroplant.com/phonedisk/
I got this and can store any files on my (non-jailbroken) iphone4.
Sure you couldn't have a self spawning virus that travels off your phone to infect a computer.
As with the virus-in-a-jpeg there is no way an iphone can "help" spread a virus.
Only YOU can move an infected file to the iphone (which cannot infect the iphone as such), and YOU then copy it to a new computer... then YOU have to execute it.
That's YOU being reckless.
Like if YOU drive with out a seat belt, or YOU drink and drive... there is no way Apple can save YOU from yourself.
But I believe your email account or web browser is more capable of spreading a virus then a non-jailbroken iphone.
That is for now... Apple might miss a line of code some day.
But then again, you'd still be more likely to get a virus from somewhere else.
So keep a good virus checker in place in any case.