It sounds like you have significant frustrations with Windows and its user experience. Many users have expressed similar concerns regarding the complexity of settings, the requirement for Microsoft accounts, and the perception of privacy issues.
Windows has evolved over the years, and with that evolution, some users feel that it has become more cumbersome and less user-friendly. The introduction of features that require user consent and notifications is intended to give users more control over their devices, but it can sometimes feel overwhelming or intrusive. Microsoft aims to ensure that users are informed about what software is doing on their devices, which can lead to the perception of bloatware or excessive permissions.
While some users find value in the security and features offered by Windows, others, like yourself, prefer alternatives such as Linux distributions that may offer a more streamlined experience. Each operating system has its strengths and weaknesses, and the choice often comes down to personal preference and specific use cases.
If you are finding success with CachyOS and it meets your needs better than Windows, that is a valid choice for your computing environment.
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