It's about ~0%. Have you ever heard of Adobe or pixologic or anyone going after a basement dweller kid? Do you know how bad that would make them look?
And yes you really are a pussy anon. Cracker groups that make the cracks for these products have a lot of scene cred riding on what they do.
They don't fucking insert any viruses unless you grab like a torrent with like 2 seeds and 38 negative comments uploaded by RusskiepuskyAssRape123.
Also the bulk of all paying customers that know these software inside out started out as pirates. It's like an unspoken rule of software piracy that you don't use it for commercial work.
If you think a youngster without any $$$ installing expensive software he couldn't affort in order to learn operating it is theft, you need to have your head examined.