The average user is pretty unaffected

The average user complains about Windows all the time around me and I have to fix their crap constantly. It is fucking over their daily life, either by preventing them from working or by swallowing their files into a black hole. Windows users at work don’t care about it, but around me when it’s their personal computer, it’s a disaster.

switching would require not only learning one new thing, but a large number of new things

Any Ubuntu from 10 years ago is identical to the latest Windows. It’s laziness, fear, or being hostage, but it’s certainly not learning something new. Also, Windows 11 is completely different from the previous versions and it didn’t seem to bother them.