Speaking personally, 3 experiences locked in my decision.
1. Having my phone break, one day out of warranty, with a factory defect. And then being unable to even set up an appointment because that phone was required for 2-factor authentication on my apple ID. (Which I don't even remember having set up.) I lost all data.
2. Having keys fall out of my computer requiring losing it for weeks. After that every article that I've read about how Apple has tried to lock down their hardware and make it harder for independent shops to repair has added to my concern that I'll have no options if it dies.
3. The Catalina upgrade was bad. A friend whose whole life was saved to iTunes found he was unable to migrate his extensive collection. His purchased movies, TV shows, songs, etc was over a terabyte, all gone. As for me, I was bit by the Catalina and Microsoft Teams don't want to play bug described in https://answers.microsoft.com/en-us/msoffice/forum/all/macos.... If you look at the thread, people are still reporting problems a year later. As for me, I cannot run XCode, and can only share my desktop if Teams is full screen.
You pay a premium for Apple hardware. You used to get a premium experience. The "premium experience" that I have been getting sucks. And not on hypotheticals, but on actual bad experiences that I have personally had.