> Plus the random assortment of windows programs for which there could be a Linux equivalent but you really need that one that only works on Windows for some reason.

This!

What keeps me working on Windows (besides the fact that I somehow have completely missed the in-OS ads) is the time it would take me to replace all the random little quality of life apps that I've gotten used to. I'm sure there's a great Linux clipboard manager that does everything Ditto does on Windows but I don't have to go and find it, get used to it, figure out all the quirks (and the things it lacks that Ditto provides, and all the things that it provides that Ditto lacks, etc, etc).