Have you tried zorin OS or Linux mint? They function the most like windows and can even run .exe files as they have vine support preloaded. You don't have to use terminal if you don't like in any of these Linux distros.. the basic gui should let you use majority of the functions and terminal is mostly for Linux power users.This question has been debated intensely what seems to be forever. it's like you have the far right (Linux) and far left (Mac) and in the middle (Windows) users.
I tried Linux for a month. I couldn't handle it. My mind isn't wired for that operating system. The more affordable option would be to buy a Chromebook or a mini-PC running Windows 11, if upgrading becomes absolutely necessary.
However, if you keep your nose clean online and avoid installing new applications you can often get by with what you have, as long as the websites you visit support your current OS and browser. Many people (although they are becoming fewer) are still running Windows 7 and XP.
There's a also wubuntu and linuxfx/windowsfx but I am not too familiar with those





