anyhow, the original question.
For 99% of end users, Windows XP or 2000 is going to do everything you need. If you can live with the fact that a little email-borne nasty can hose your hdd if you're nor careful, then why bother with Linux.
Personally I use Linux for almost everything... I only use Windows on my home machine because I have yet to get Winamp5 running in Wine(X).
Much as I disagree with MS's business practices, they have done a lot for the user. The problem is that they do it with complete disregard, and in a lot of cases, utter contempt for their 'fellow' software houses and developers.
Another reason to hate Windows is that since XP raw sockets is now a feature. Not a problem in a secure OS like Linux/Unix, but in Windows, for god's sake... it's like handing a teenage delinquent a gun and telling them they can do what they want and guaranteeing them no repercussions.