This is an interesting question.
My daughters have grown up with Ubuntu as their main typing and work computer, with windows being what they game on. They are just as able to use one as the other. They don’t break stuff in Ubuntu, and I find myself troubleshooting their windows game pc more than their Ubuntu installs. They don’t touch the command line in either OS.
I use Debian as my main ride, and don’t do any troubleshooting with that either, unless I’m just tinkering around and even then it’s not like I’m borking the whole OS.
I think most Debian distributions could be installed and used with no issue, and unless you are gaming or doing 3D modeling or CAD, could be daily driven. I don’t believe you need any more ability to use Linux than you do windows. I believe you have just as much chance blowing your windows OS away as you do any Linux distribution. Just practice 3-2-1 backups, which you should do with any OS, and take it one step at a time.