Microsoft / Linux doesn't do everything, but if you need something specific you can bet that there is someone out there that provides that functionality for those platforms.
In my own circles (so anecdotally) I've had plenty of conversations over the last 20+ years about helping tech and non-tech people upgrade RAM on their computers, including laptops.. And in the last 5 years I've heard plenty of people be surprised (and bummed) that they can't upgrade the RAM on their Macs post-purchase anymore.
And of course maxing out the RAM at purchase time is a complete rip-off compared to market prices.
Every Mac I've owned (5 machines across desktops/laptops from 2006 through to 2016 I think), I eventually upgraded the RAM myself via aftermarket parts at reasonable market rates and it greatly extended the life of the computer.
Given the premium cost you already pay for a Mac, not being able to do this anymore is a deal breaker, for me at least.
I have a friend who has a 2015-ish Macbook with 4GB RAM - and she is getting into Photoshop.
So her computer works well for her. The monitor is good enough, the CPU is good, and so on. 4GB just won't cut it.
Since she can't upgrade her RAM for $150 like she should, she has to get a new computer. But she likes the trackpad and the Apple UI so much, she is going to get an iMac with 16GB RAM and 256GB SSD for $1600, instead of a Windows PC with a top-line processor, 32GB RAM, 27" screen and 1TB+ of SSD.
There is simply no contest in reliability, you’re always expecting a new problem with windows - just yesterday, in fact, an OS update disabled my network card and I had to reinstall everything to “fix” it. You can use a Mac for years without even knowing what a driver is.
Windows is very solid and we rarely see issues with it on decent hardware which still costs 1/2 of what a lower spec Mac equivalent.
Regarding the software I use, I wouldn't say that it's any more stable on macOS than on Windows.