Depending on where you live, and what service providers you have, you might even get a free lawyer for these kinds of things.
For example in my situation I have free legal help bundled to my mobile data plan for ID theft, gdpr violations, and for removal of images and videos I didn't concent to have recorded.
Check your services, and you might save a bunch of money.
I personally won't pay for the extra security updates, and will switch to Linux, but like you said, it'll be very overwhelming at first. I've used kubuntu on my laptop for a while now, but it's hard to rewrite my own software for Linux because it uses native system APIs.