My experience for what it's worth:
After a year with Windows 10 which I upgraded from 7 there has only been one major version update which reset some of my privacy settings; the routine updates don't generally do so. I only use the basic OS with all the "kids' toys" turned off, and so far it appears to be a very stable system. Any problems have usually turned out to be due to third party software I've installed.
If all I did was browse the web and use basic office software I would most likely switch permanently to Linux, which I also use, but I need to use some programs which are Windows specific.
If you search the internet you can find "facts" to support any prejudice you may have; your own experience is the best guide.