Not everyone is knows how to do that, not everyone understands all that jargon, many just need a simple computer for their day-to-day needs.
If you do thats great, "the number of ways the system can get infected" is just a plain dumb reason. Look at the use case and only then advice a person, stop having such a condescending tone.
For all you know the person could be from a non tech related background, and doesn't know anything at all its not one shoe that fits all scenario here.
1992, and 2021 you are taking in a 29 year difference, so you mean to say you're using the same PC from then? Kudos to you, and as for the insider build, there's a reason its called the insider build and not available to the public, its basically a beta version of the main software.
Not everyone does that, if you're the person whose installing all that then great, stop throwing ideas up in the air.