Third party software also doesn't help. I shit you not I had to install some Asus software that legit started sending me offers through the main OS notification widget.
Using Windows is like walking through a very crowded Chinese market with lots of nagging merchants trying to pull you in plus AI enhanced security cameras everywhere. SIR HAVE YOU TRIED THE NEW EDGE BROWSER? WHY ARENT YOU USING EDGE?
It's an ad platform that can run program nowdays. I might start calling it BonziBuddyOS.
Now if you compare it with the clean default desktop macOS popular Linux distributions offer out of the box it makes a lot of sense for someone to avoid Windows.