Is ARM Windows usable these days?

Very much so if you don't care about gaming. x86-64 emulation has already been great, and 99% of popular apps have native ARM64 versions. The only exception was Discord for me for a long time. I used to use an unofficial wrapper called "Legcord" instead. But, now even Discord has a native Windows version. I mostly use my laptop for software development + browsing.

I haven't tried gaming, but I feel like it'll suck for almost anything that's not natively ARM64. Steam doesn't have an ARM64 based client yet, AFAIK.