My family recently got me a new computer setup that won't require sudo and other practices considered harmful. It even does shapes, colors, and animal sounds, which is good enough for my use case.
The point of lowering application permission is not to prevent you from doing things. It’s to prevent the application to do things you don’t want.
That’s why people try to give apps as little permission as possible and only grant them when they are required.
Technically you are one vulnerability away from irremediably losing everything after opening a seemingly innocent file. I am actually convinced the sole reason it doesn’t happen is because it doesn’t make sense to target people doing that because they virtually don’t exist.
"Not downloading malware" is everyone's default stance, but no one can identify all of it.
And that's only a single vector out of many. Security flaws exist in even the best operating systems that make you vulnerable even when doing everything "right" (which you emphatically are not).
This is exactly why Qubes OS was created: https://qubes-os.org. My daily driver, can't recommend it enough.
As a more additive approach than just giving up and running everything as root, I think in Linux you could do the same with (a fair amount of effort and) SELinux or AppArmor.
Also, you're statistically much more likely to die from a car crash than a malware attack.
That's true now, but I honestly don't think it'll be the case in twenty years.