> My feeling is that most users just don't care about their computer and just need to be able to start their browser and maybe Outlook/Teams.

That's true.

> But in my experience, users who say "it's the fourth time I reinstall Linux this quarter, it's just not stable", what it means is that they, the user, broke it.

It really depends. Compiz with Unity was very unstable, and that wasn’t the user’s fault. Pop!_OS with the COSMIC desktop is also still quite unstable. Gnome break extensions support every new release. As I said in my post, you can “compose” a stable Linux system, but it requires a lot of knowledge, because in my opinion most FOSS desktop software does not prioritize stability. The server side is a different story.