Home user, eh?
Actually I'm in IT and am far from some simple non-techie - although I never refer to myself as a 'nerd'!
I'd say OSX (10.4.11 was the one I was using) is far more suited to the 'home user'/consumer than any other OS. I never liked OSX and sold sold my Mac a few months ago.
Linux has great potential and feels more 'Amiga-like' than any other mainstream OS at the moment. The community around it is awesome. However it is still somewhat painful and irritating to get running exactly the way I want.
I've always found XP Pro to be rock-solid and never understand what people do to make it run so badly on their systems. Sure I have to run a virus scanner, but apart from that it's been great. It also has by far and away the biggest range of software - which is why I was trying Wine on my Ubuntu install.
I'd love to be able to run some of my VSTis (Korg Legacy, Kontakt, etc) on Linux, but I suspect if WinUAE is causing probs I've NO chance with them!
Cheers,
Mike.