Not really. For one, you are mostly fine running Linux terminal-only so it's really light and you are using less resources with Windows+WSL than Linux + full VM Windows.
Second, if you need both Linux and Windows you typically need Windows for something heavy - e.g. a Game, Photoshop, whatever, so having Windows in the VM is typically more limiting.
Also you really miss a lot of Linux if you're running it terminal only without a GPU. Being unable to use the Jetbrains IDEs on Linux is the biggest one for a developer that's universal to any field.
Also if you have to do something heavy, it's almost universally better to do it on Linux, ie, higher speed and better reliability.
What do you need it for in WSL2? Perhaps machine learning/crypto stuff?
> Photoshop works well enough usig Wine, the installer won't run but that's not an issue
If you were using Windows it would work better than 'well enough' and the installer would run.
GPU acceleration in WSL2 is useful for ML, but also accelerated video encode/decode, and some simulations I had to work on. It's also very useful for anything using a GUI, as all the major UI toolkits in Linux use native GPU acceleration.
You're not sacrificing any resources, in both cases you're running a full Linux and a full Windows.
As far as GPU acceleration it's just as much of a pain inside of WSL2 than in a regular VM.
Fwiw I only use Windows for Genshin Impact now. Photoshop works well enough usig Wine, the installer won't run but that's not an issue.