In my anecdotal experience, Windows (never used Mac) is a lot more "auto recoverable" compared to a home desktop Linux (among all sorts of distro plus DE combinations). And I was using Win 98 ME, early Vista builds and so on too. It is really hard to bork Windows install to become fully inoperable. It will be screeching and throttling under fifty different viruses and malware installed by a naive aunty in the accounting but it will just somehow work. And GPU driver crashes in my case were self recovering. Linux on the other hand allows way more manual intervention, but it also kinda expects way more manual intervention too. In my experience.
I mean, maybe I'm misrepresenting desktop Linux, that's quite likely (at work I use exclusively CLI destro, so my experience in DEs and drivers is limited). But I'm pretty confident in my ability to generalize Windows state across many installs over past decades, I also had a stint as a all-rounder IT POC in a small journal in the early 00s, so there is that. Windows since NT kernel almost never needs a format/reinstall. Every single unbootable Windows PC was due to a hardware problem, like storage giving up, or burning the power supply, or dead battery, or busted condensers and mosfets. Or an incorrect dual boot install, when MBR gets overwritten. Windows is a very robust OS, despite all the real negative issues in other aspects.
The thing is, Linux is robust too in my experience.
My current laptop is running the latest release 44 of Fedora. That install dates back to version 26 which was something like 9 or 10 years ago, can't remember the exact year. That install migrated from an ssd on a laptop to an nvme on another laptop and then moved to a larger nvme drive. I never had any breakage really. The only problem I ever had on this laptop/install is that sometimes after several long multidays sleep/wake up/sleep/wake-up cycles sound going to a bluetooth device may start having shorts stutter every 10 to 20s that is solved by a reboot. I could probably solve that by restarting pipewire and/or ubloading/reloading a bluetooth module but it doean't happen frequently enough for me to investigate further. And it is nowhere as bad as what sometimes happens on my corporate windows 11 laptop.[1]
Other computer of mine, the "gaming console", is running bazzite, an immutable variant of Fedora dedicated to gaming. Being immutable there is very little breakage possible: if you happened to had an issue with an update you could just boot from the prior version image (not happened in 3 years).
My wife is using similar system with another immutable variant of Fedora called bluefin. It actually started its life as my own secondary laptop when I explored immutable distros under aurora (same base as bluefin but with kde desktop instead of gnome). Migrating from Aurora to Bluefin just involved rebasing image from one distro to another without having to do anything with the user data. All in all pretty robust and painless.
[1] OTOH the sound stack of the windows 11 running on my company issued laptop has had many hiccups to the point some usb or bluetooth devices looks to simoly disappear on a regular basis. A number of times I completely lost the complete sound stack in a middle.of a teams call. I could plug and unplung usb audio devices, bluetooth, usb or jack headsets to no avail. Only rebooting the laptop would make sound work again.I also experience absurd slowness of start menu and even random freezes of explorer windows from time to time on a very lightly used laptop as most of the stuff I do is done on an azure cloud windows desktop (don't get me started on this one, feels like using a raspberry pi 3) via rdp.
Computers are complex and there are always trade offs