Re: 99% of users [get] the out-of-the-box experience
"Why take that risk with your data/money?"
But, but, that's what you do every time you use a computer for such things. The main protections are a router, not going to dodgy websites, not even opening email that looks dodgy, and certainly not clicking links, doing proper backup cycles (and testing them), laughing at phone calls advising "we've found a problem with your computer", using separate passwords for every different site, being *very* circumspect about putting anything 'in the cloud' (which includes 'syncing' certain apps to other devices, which of course happens via the cloud), and certainly not storing passwords there, not putting anything private in emails through "free" providers such as Gmail who read everything, using 2FA or bank code machines for anything needing financial security, etc. etc., I could go on.
None of these practices are magically irrelevant with W11 (or Linux), the risk is of a slow security decline as W11 and W10 diverge over time, with 10 not getting holes plugged. Me, I shall be happy to stay on 10 and revel in the lack of annoying updates that take ages to install. I may go to Linux one day, but it'll be dual boot for the applications I need which have no Linux version or equivalent (nearly 20 at my last count).