You're correct on all counts, but you're also not a typical desktop user, you're definitely a professional or power user with specific needs.
The average user needs the ability to use a web browser and that's honestly about it. That's why Chromebooks are so popular with schools. A basic Linux desktop is quite capable for a standard user.
For the things yoi need you're correct that it's not 1:1 and you'd need to move to open source alternatives or tinker with VMs/WINE to get those apps working and it would be a chore.