I've been running Windows 10 for five years, I have no idea what this "daily upkeep" is. I don't recall any settings getting reverted, let alone all of my settings.
If you leave your computer running processes overnight then I would suggest using Windows 10 Pro and disabling automatic updates
https://www.windowscentral.com/how-stop-updates-installing-automatically-windows-10
The only other annoyance is if you have slow internet as Windows will download updates in the background and will happily attempt to max out your downstream, which is annoying if you are trying to watch netflix. You can set a maximum speed in Settings now.
I've hated Linux (and all Unix) since the 90's. I don't see a reason to run Linux unless you have software that hasn't been ported to Windows, or you are forced to use Linux for your job.