That is very true!
I had to go double check my system incase Fedora just did that automatically for me and I didn't realize it hehe, but yes in my case the boot efi's are on separate disks...so far so good knock on wood.
I do agree though that your approach is the correct one.
To be very honest Linux has come a long ways and continues to improve each year. While it still may not be on par with Windows in-terms of the overall software availability, in most cases unless you are running very specific software you can probably get by with another version on Linux. Heck even using the online version of Office is a great alternative if you need Office, but don't need every bell and whistle that comes with the desktop version of Office.
Even gaming has come a long ways where the vast majority of games work very well, including newer AAA titles thanks in large part from Valve. There are still some instances where some games do not work, but it's getting less and less IMHO. For example I dual boot on my gaming rig just incase there is a game I want to play, but doesn't work on Linux. In the last year and a half ever since I set it up this way, I only boot into Windows just to keep it up to date...I don't actually use it to game, all my gaming is done on Linux.
In terms of secure boot, I know Fedora works fine with secure boot. I think any distro with SystemD boot works fine as well (ie: Pop!_OS, Arch, EndeavourOS (based off Arch). I haven't tried Ubuntu with secure boot but it may work as well. You would just have to do some researching just to be sure. I think it use to be a bigger problem than it is now, but I think it's starting to become less of a problem as time goes on.
While I Love Arch and installed it myself (it's actually even easier now thanks to the built-in install script), I think it still would be very daunting and probably drive you crazy to the point you may avoid Linux entirely. Unless you really want to challenge yourself, I think the best approach would be to start with a well established distro such as Ubuntu just to get familiar with how Linux works and what the terms mean. From there you can try out other distros including Arch.
Arch does have really good guides and stuff via the Arch wiki...the problem though is it's very much written at a level where they assume you already know the terminology and how to get around. For someone new who has never tried Linux, trying to make sense of it would be trying to learn a new language entirely.