My 2 cents: I am a technical person, working in IT industry all my life, and deal with Windows and Linux on daily basis.
Whilst I am not a Linux guru, I was dealing with Linux since 2010, playing with different distros, both personal and corporate (Red Hat).
Whilst Linux has a great concept and is, truly, an amazing operating system for specific needs, I feel it is still not polished well enough and not ready for majority of non-technical users, for home use (and I am sure, it will never be, unless industry big players will be interested in this).
I always encourage people to try it themselves as everyone's standards are different, so please go ahead and try it - its a great OS and you might like it! Its fun to browse different distros and trying things for a change!
However, my own personal opinion and experience is that Linux cannot compete with Windows in its functionality, user friendliness, experience and software availability. Yes, its far more private but privacy alone is not enough as a good OS should also be user friendly and offer great hardware support as well as industry-standard software packages at the very least.
If you want to do basic things, like browsing websites or using basic apps installed from package manager, it might actually do the trick.
But you will certainly face lots of issues if something stop working suddenly or if you try to do anything beyond using default config and apps, sometimes spending hours and hours in digging for a solution that ultimately might not work properly. Linux is not for a person who wants things to "just work" - it is for people who consistently spend their time in fixing, troubleshooting and fine tuning things. Its free but you pay with your time.
Windows is much, much more better in almost all key areas for everyday use.
For example, lets take a Linux file server. You can only configure 1 owner and 1 group access at a time. Which makes it impossible to, for example. grant Group A read and write permissions and Group B read-only permissions to a file. Its a very basic feature that still not available. In Windows file server you can create 10 different groups and assign different permissions to each file or folder.
For personal use - no Microsoft Office (remember, if we care about privacy, then we should avoid online Office 365 at all costs but even online Office 365 is far less functional than the desktop app). LibreOffice and co. are far, far behind MS Office which is an industry standard.
Adobe suite - no Photoshop, Illustrator and other essential tools. Gimp, Krita and others are far less productive vs their corporate competitors.
For games - majority of AAA games are still not available, Linux does not utilize nVidia graphic cards properly.
For music production - nothing to replace FL Studio, Cubase, Audition, etc. Audacity doens't even come close to Audition feature-wise.
The list goes on and on.
The software that is available for both Linux and Windows often lacks extra features in Linux version, etc.
No proper font rendering, issues with nVidia drivers, Wayland and X11, Lots of hardware not supported properly or lacks functionality vs drivers on Windows.
There is a very good article about current Linux flows, worth reading: https://itvision.altervista.org/why.linux.is.not.ready.for.the.desktop.current.html
The other (major) issue is the community: unfortunately, most of the Linux community is quite toxic and often starts mocking people when they ask questions. Most community members have no in-depth knowledge about Linux themselves but yet do not hesitate to mock people who are asking questions as if they know better.
Another issues with Linux community is that most Linux supporters refuse to admit any Linux flaws, idolizing the OS and going aggressive when someone criticizes the OS. They are good at mocking Windows and MacOS but never admit a single Linux flaw which is not rational to say the least as nothing is perfect and one cannot improve things if they don't want to see the flaws. Linux community does have that cult-like approach on things, unfortunately.
The common excuses are: "Its not the OS, its nVidia that doesn't produce drivers. Its not the OS, its the hardware manufacturer that doesn't bother to write drivers for Linux, its not the OS, its the software vendor that is lazy to produce software for Linux, its not the OS, its the user who is dumb and doesn't want to spend 100s of hours digging and troubleshooting" and so on. All these funny arguments and mostly aggressive approach makes it very hard for new starters to jump in and start asking questions.
Another major issue is that Linux development is a huge chaos. Linus Torvalds doesn't care about anything else but the kernel whilst each Linux community is focused on their own distro. As a result we have 100s of different distros, desktop environments, package managers, etc and each of them have their own issues.
IMHO Linux community needs to come together and work on one single OS. In this case there will be a huge chance that all ongoing issues will be fixed and we will have an amazing OS, fully ready to replace Windows and MacOS for home users.