Late Gen x and early gen y had an off-line childhood and digital adulthood. I think that explains a fair amount about computer literacy, because a lot of what they were exposed to is the base config so they had to learn their way up.

although I find that there are plenty of both that are absolutely clueless about tech

Another weird thing that changed in that generation was communication style. Sms and email bred their own language and abbreviations..

Other notables - digital wayfinding (online maps and Gps), music purchase and consumption, proliferation of social media, adoption of online persona, all changes that gen x / early y lived through.