For me, it works just fine as a decision point. And real work usage of the computers I moved to Linux was very similar to what they report, they reflected just fine. So I don't see any point to not use it, or even more so, to not suggest it to others, when the discussion warrants it.
Many times you need to use the terminal with Win and Mac too. Sometimes something goes wrong, or you need to enable something that doesn't have a UI. So in the last few years, I've used the terminal with these OSes too. So I don't see why you wouldn't use the terminal with Linux too.
The only time you wouldn't use the terminal at all, is if someone else is your sysadmin, and you're just driving a browser or a couple of apps, as a plain user. Then sure, you'll never need to touch the terminal. My mom only uses a browser for example on her linux laptop. It's good enough for her. But when there's an update or anything else such, I'm the one dealing with it.
This is my rule of thumb and process to choose DE and distro:
Find the CPU model and do a google search with it and the word passmark. The passmark page will tell you how fast the cpu is. If it's between 500 and 1000, use XFce as your desktop environment. If it's between 1000 and 2500, you can use Cinnamon (Linux Mint). If it's more, you can use kde/gnome. If it's less than 500, use LXQT or LXDE.
How much RAM there is in there. These days, you need a minimum of 4GB of browse the internet (the DEs/distros themselves might use less than 1 GB of RAM, but the moment you open a web browser in this day and age, all hell breaks loose with memory usage). For best performance, 8+ GB is better.
Ensure that it has over 16 GB of a drive. At 16 GB (as in some old Chromebooks), only Debian fits these days (with 6 GB free space after installation). Mint and the others prefer over 24 GB (both fedora and all the ubuntu-based ones are too big to fit in 16gb without issues -- debian fits).
Using these rules, I've converted many laptops and computers for my family here in Greece, installing the most appropriate each time. The least powerful computer was my mom's old laptop, with 16 GB internal, 2 GB of RAM, 600 passmark points. As long as she's only opening 1 tab on Chrome (Debian/XFce), she fits in the 2 GB RAM without swapping (most of the time). I use Chrome and not Firefox for these older laptops because Chrome uses LESS memory than Firefox (there's an additional setting for it in the settings to help the matters more), and its youtube playback speed is much better too. I use firefox on more powerful computers, and it's my default too, just not for underpowered computers.
Debian is the best for your needs, because that's what Google uses internally too (they used to use ubuntu, but a few years ago they moved to a slightly modified version of Debian-Testing). All its engineers are using Debian-Testing at their desktops, so it's the best tested and tried distro for Android. Although all other distros are also expected to work fine.
Get a second ssd, I'm sure your PC has a placeholder for it. Normally, I'd say that you simply resize your main / partition using gparted, however, because it's encrypted this might be dicey. Hence, get a second SSD.
I actually agree with Linux Mint's decision. You can not trust any random upload. Either it's an official/verified upload, or it shouldn't be there at all (or it should be a separate app for those who want it). That's why in my system, I only install from the official debian repos and not the community ones. I just don't trust random anonymous uploaders.
Υou can download the Windows iso, burn it in a usb stick before you nuke it to install linux, and find free legal serial numbers online (there are various serials for all versions of win10/11, all legal -- it's considered semi-activated with these).
Film emulation is a whole "sub-genre" of photography and video, where creators are trying to emulate the look and feel of various types of films, like kodachrome, fujifilm, etc. In fact, most movies and music videos have a layer of such emulation during their color grading process. I also treat my videos that way for a more cinematic look.
On Resolve there various helper for-film-emulation plugins, and also third parties like Dehancer and Cineprint (which are exceptional), that do near-perfect film emulation. These things don't exist on Linux video editors. They barely exist for Premiere/FinalCut. It's a Resolve-first ability.
I use XSane and TheGimp to scan and edit my paintings, Firefox with privacy extensions to browse, VLC to play videos, Gnome Mahjongg to waste time playing. I used to use Resolve to edit videos, I'll soon start using Kdenlive. As a visual artist I have a thing for film emulation that Kdenlive can't do, but it's something I'll have to leave behind.
Plank is quite buggy, it's not your idea. If you want to use Mint, use its cinnamon panel, not a dock. In fact, I filed a feature request a few weeks ago with Mint, to make the panel auto-resize to look like a dock, and there wasn't a peep about it by the devs.
So if you want a dock that's less buggy, your best bet is Gnome with the Dash2Dock or "Dash2Dock Animated" extensions (the first one is less buggy).
I personally prefer Debian or Linux Mint (Edge edition). They're very, very solid.
But the real question is, why are you building a new PC? If you already have a PC and you want to leave Windows behind, all you have to do is nuke Windows and install Linux (after trying first a live CD to make sure it works for your computer). You see, if your PC is a bit old, as long as you have 8+ GB of RAM, and a CPU of the last decade, you're ok with Linux. Linux needs ~1/3 the RAM Windows needs. Only 3D games might require a faster cpu and gpu, but Linux won't.
Eat bread (celiac). And riding a bike...