This might help:
Article explaining my recent negativity and dissatisfaction with the Linux distribution testing, focusing on the state of the wider Linux desktop ecosystem, my requirements for home and work, my present and past usage of Linux, my testing rigor, missing or inadequate capabilities like graphics...
www.dedoimedo.com
The gist is that most don't have the time or the knowledge to tweak with systems, fix problems themselves, etc., so they look for something that meets their needs (which include using things like MS Office and Adobe products) and that can work especially during mission-critical phases, plus allow them to do leisurely things like buy online, watch videos, and play games. In addition, they want to use the latest device, component, hardware, software, game, etc., especially with new features and services offered by various companies.
Meanwhile, all operating systems are vulnerable, malware developers usually target those that are used most, and to deal with them software developers have to continuously patch, especially given new vulnerabilities created when new features and/or hardware are added, etc.
That means most want operating systems that can run the latest software and hardware and the most popular software and hardware, that have readily available technical support, and that are regularly patched for maintenance, new software, hardware, and features, and against vulnerabilities. These cost money.
They might not work against new malware, so protection is needed. The cost for several devices can be almost the equivalent of buying one hard drive every year or so. Sometimes, there are promos, but prices still go up eventually.
For privacy, technical support always leads to a lot of intrusion, especially when damage involves the operating system. Sometimes, problems might involve a program that you installed for various personal files.
For similar reasons, security programs are intrusive, too, and free versions are used to monetize.
In short, what you should use will depend on how much time, skills, and money you have to deal with problems yourself, and that can including moving from one OS to another if the one you're using gets abandoned, etc.
Similarly, if you move to an OS that you're less familiar with, then you will have to do a lot of research and preparation for the move. For example,
Follow-up article explaining my rationale for moving away from Windows as the operating system of choice, focusing on software parity between Windows and Linux, with a detailed breakdown of application categories, native or equivalent functionality, WINE support, and other key factors
www.dedoimedo.com
Finally, I remember asking this to Linux users, and I mentioned that many in my family are computer novices. They advised me to stick to Windows.