"With a half decent, consumer focused distribution, I can't imagine how anything could fall to pieces the moment someone colours outside the lines."
The complaint resonates with me, and I originally used Linux circa/prior to kernel 2.2.16.
It's hard to pin down any specific issue, but I perceive consumer Linux even today as very brittle and the user-friendliness as mainly nailing "no user serviceable parts inside" covers over everything.
For example, I have an installation where basically all I ever do is start up KDE, select the start menu to open Konsole, and run something from the command line. At least once in the few weeks I've been doing this, something got completely screwed up to the point where the interface was unusable and I went to the text-mode console, logged in as root and shutdown -r now'ed. Previously, I got an installation in a completely unusable state because I had no alternative but to power-cycle it when it bogged down.
The attraction for me is the built in programming tools, the bash shell, free software, and today, the lack of advertising and tracking - when it comes to the actual OS I'm very much the stereotypical Mac user who wants it to just work. I just don't want today's Mac hardware.
I avoided Windows 10 for quite a while, but I finally upgraded a few months ago, and so far it hasn't crashed or failed me.