I've been using exclusively Linux since 1999. I know, I'm "older".
In that time I've spent $0 on Windows 2000, ME, Vista, XP, 7, 8, 10, don't "have to upgrade hardware" to 11, etc.
I've spent $0 on Office anything, haven't had my files HACKED 5 TIMES in 2019 (https://www.forbes.com/sites/daveywinder/2024/10/02/microsoft-office-365-email-hacker-made-millions-heres-how/) or ever, and have switched from OpenOffice to LibreOffice only once. No hardship. no regrets.
I use my 2005 Dell XPS-13 for travel, have a backup one JIC, and my 2020 7540 for everyday use. They EASILY OUTPERFORM my friends and colleagues' brand new Windows 11 laptop and servers.
ROI in 25 years of not using Microsoft products: INFINITE.
Not having to listen to their prattle about how a monthly sub is better than buying their shite - it's still their shite - priceless.
If you don't know Linux or are afraid of Linux or use one of the three Windows-only programs out there (Quickbooks, or a couple of games not on Steam)... I'm sorry. Get a dedicated machine, DO NOT put it on the net, DO NOT download updates, DO NOT use DLC, just freeze it in place, take a snapshot of the hard drive on another hard drive you purchased just for this, and change nothing. It will work forever and your ROI will also be high.)
This is not to evangelize anything. Everyone picks their tool. If you're a Windows person or a Mac person or a Linux person, good for you. If you have a screw to turn, a hammer is a stupid tool. If you have a nail to pound a ratchet is a stupid tool. If you have a bolt to tighten a screwdriver is a stupid tool. So if you make it about a religion like "I get to use my Windows", hey you go, Girl. But your choice not to use the best tool is YOUR choice.
Wear steel-toed boots in case your chainsaw slips while you're turning that bolt with it.