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I agree with all your points.
When linux works out of the box, which it often does, it is great even for amateur users. But any time there are driver or configuration problems it can degenerate into a hopelessly complex nightmare due bewildering array of howtos, config files, lack of GUI tools. For example, the X11 stuff is so much more complex than it should be that I curse any time I have to make adjustments to it.
However I don't think it's fair to compare a windows system that was pre-built and pre-debugged at the factory against a linux system that was installed at home and you are the first to test it on your combination of hardware. Of course the pre-built windows system should just work, but then a pre-built linux system should too. Linux is held to a much higher expectation because it's expected to run out of the box on arbitrary hardware. Somestimes it falls short of that higher expectation (forcing users to fix things themselves at the command line), but this would happen far less often if linux were installed / supported by the vendors.
I'm still agreeing with all your points. There's not much more to say about it really. I do think there are more average people willing & able to try linux despite these issues. I predict linux will continue to grow as long as consumers can install it and try it on their hardware, though that might be coming to and end.