bash on OSX is vulnerable, but as you say, there are few attack vectors. A client OSX machine with a stock config is not vulnerable. At a minimum, you have to enable a network service like printer sharing (CUPS), remote login (ssh), web sharing (Apache).
Then you have to configure the service in such a way to actually be vulnerable, and these are not commonly configured options.
The attacker also has to have a local privilege escalation vulnerability to exploit as well, or they're trapped as the CUPS user once they do bust in.
I don't think that the level of panic I have seen on other Hacker News threads and elsewhere on the Internet is warranted. Comparing this to Heartbleed is pretty absurd; TLS vs bash CGI is no contest in terms of deployment size.
I'm mainly concerned with public-facing, large scale web services, and in that area:
1. CGI in general and bash CGI in particular are basically unheard of.
2. system() in other scripting languages might be used, BUT to be vulnerable you have to pass through user-supplied data as environment variables without sanitizing. This was always an exploit waiting to happen.
3. ssh accounts with a command forced in authorized_keys are potentially problematic, but this would only be from users who have some relationship to your service in the first place. Personally I think a restricted shell (rsh or git-shell or whatever) is a more common option, simply because who knows what bash might get up to.
4. DHCP client scripts on Linux is an interesting exploit path, and might be a problem for laptops on shared wifi, but for the majority of Linux servers there is no attack vector. They live on controlled networks where rogue DHCP servers can't be operated.
So yes, patch the vulnerability and audit your systems and code. Also keep the response proportional to the vulnerability, this one needs a lot of other things to fall into place to be exploited.