The difference was Apple had a clear vision on what they wanted the technology to be while Nokia was divided between squeezing a bit more out of Symbian or invest in their 'follow up' Linux-based line. They didn't need Elop to screw up, they did that perfectly by themselves. If sales were better and Microsoft had continued with Windows phone it probably would have saved Nokia.
I think you are conveniently ignoring the explicitly bad rep Windows had, even for people who bought and used Windows in their homes. It had none of the draw that Apple had following their iMac/iBook/iPod era.
Zune was building a good customer base, but MS threw that away too of course.
Mac -> iMac -> iPod -> iPhone
Obviously the iPod gives us AirPods and HomePods.
I imagine there are users of *Pod devices that have never seen or used an iPod!
Apple branding isn't too much more inspiring (Mac to iMac to iPhone).