I have to say I find the settings / control panel dichotomy issue overblown. I rarely need to go into control panel anymore, and pretty much never without it being a clickthrough from the new settings app.
Agreed. The task bar search finds the setting I'm looking for about 99% of the time.
I could probably set up a custom image but I prefer to get the most recent build when setting up and would appreciate it being as clean and minimalistic as a fresh install of macOS (yes there are some things here too, but you have to look for it) or Linux. The plain Windows setup feels like how preinstalled systems used to be with all sorts of "helpful" apps that automatically start and make the system look "nice".
I think macOS does way better here with a minimal use of white space because I can easily have a browser open on the side to look up what I'm trying to change - though some things do appear a bit old school (e.g. networking).
A minimal version of Windows along with a good package manager and a UX closer to Windows 2000 (or at least without the whole Control Panel / Settings App confusion) would be amazing.