You’re right. Over the years, I’ve installed various kinds of Windows for relatives, and various Linux distros for myself and my wife. I’ve found, particularly in recent years, Linux is easier to install and more straightforward. Yeah, I’m an experienced user, so it’s fairly easy for me and not intimidating, but I can’t see a Linux installation as more difficult to install compared to Windows.

Most users, as you say, don’t install an OS themselves, which applies to both Windows, Mac and Linux.