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About Virus and Hack responsibility. It is your responsibility to keep your site secure.
It is important to note that these software packages are secure when installed. Like with any software, as vulnerabilities are found and patched, updates are distributed. These are imperative for you to maintain in order to ensure site security.
Should you add themes, plugins etc it is up to you to ensure these add ons are also fully secure. Usually a paid package is far more likely to have security covered - although some free theme and plugin providers are also very good.
Always check the websites, forums and even google for any notes on the known hackability of third party add ons.