I think about this a lot, and my take is that Linux is waaayyy better if you have perfect or close-to-perfect knowledge of how the operating system works and what software is available. Similarly, I think an argument can be made for Linux being better if all you need is a web browser and you're not using really unusual hardware.

Where things fall apart is for people who have very specific needs that are complex, even if they only need it 1% of the time, and they don't have the technical knowledge to solve it with the power-user tools available. Microsoft has spent decades paying developers to handle these edge cases and ensuring GUI settings discoverability.

At the same time, schools and workplaces have taught people the design language of Windows, and the network effect of having so much of the world's end-user PCs running on Windows means that there are vast resources available targeted at people without technical knowledge. At this point, for better or worse, Microsoft's design language is the global default for non-technical people.

If a person never has to touch a setting because all they need is a browser, they don't hit any friction and they are happy. If they need to do even one thing that requires them to dig into settings or touch the terminal, the difference from Microsoft's design language is enough for that one frustrating experience to give them a bad taste in their mouth about Linux as a whole.