You need to separate security and privacy if you want to determine how risky Windows is for you. With full-disk encryption through BitLocker and applying regular updates, Windows is honestly not that bad for basic browsing. That is, if you don’t install random software or open suspicious PDFs. That’s how Windows may seem “insecure” or “malware” prone for the average person because most malware is made specifically for Windows. If a virus is developed specifically for MacOS and common Linux distros, it might be more rare but not necessary mitigated by the OS if it does somehow gets on your computer.
Most Linux distros aren’t magically secure and needs a lot of modification (i.e. a specific anti-forensics distro or personal modification) for it to be “secure”. What makes Linux stand out is that it is much more privacy respecting. You install Linux because it does not include spyware-like capabilities by default. Most likely, you will not run random software apps that would otherwise be a trojan. However, your grandma on her Windows machine will probably install a virus eventually.
If you do want to learn more, I highly recommend looking over the Windows discussion here. Otherwise, feel free to ask more specific questions that you feel haven’t been answered on the forum before.