I'm only a recent Linux convert, so you probably know better than I, but it seems having distros suited to different use cases is a strength of Linux to embrace, not shun. And, even if it's a little more work to maintain up front, staying familiar with distros from different families keeps you ready to pivot in any direction you might need to later if one family massively improves or sours.
Still, consolidation doesn't have to be all or nothing. Instead of consolidating down to one distro, can you consolidate down to two or three with much less hassle? Instead of trying to "migrate everything over," can you make it more piecemeal where each individual changeover is progress?
I'm personally just doing CachyOS for both my daily driver desktop and NAS with Bazzite on my laptop and friends and family gaming PCs. OpenSUSE Tumbleweed was also high on my radar, but I've got nothing running it at the moment.
Funnily enough, I've thought of the cloud as "someone else's computer" from the beginning and shun using it more than everyone else I know, but I was just getting into the space when Gmail and Chrome were the hot new things, each gradual step into the ecosystem didn't feel like a big concession, and I was too young to know to question the convenience.
In case it wasn't clear, reversing those two decades of inertia and tech debt is what I was referring to as the time-consuming bit. So far, what I've finished switching over is actually quite nice to use.
And yes, I dread the day even the fallback options start getting killed off. It's always one bad law away.