this is the other thing linux communities are well-known for: blaming the user for not being good enough.
i think the last time my linux failed to boot there was a power outage...but the machine was a laptop. before that it was running an update (fedora/nobara). before that it was installing void ("installation complete" -> reboot ->grub recovery). before that it was running an update (pop_os). Before that it was running an update (manjaro, this was during a brief moment when it was very popular and linux folks claimed it was user friendly and suitable for moderate users). I've managed to recover from most of those cases listed above, but with the exception of manjaro that was 2023+2024 right there.
It sounds like you've read about but not used windows for a while tbh. The going online thing is true, but its not exactly confusing. Not sure what you mean by onedrive, I uninstalled it years ago.
I won't bother responding to your hate fueled rage post except to say those are all highly recommended distros, except Manjaro which I've already stated was hot at the time. Void for example is the no-contest top rated distro right now. When the "best" Linux has to offer won't get past grub from their install wizard, that's not an incompetence issue.
Many such cases