The only reason to use a Traditional IRA and not a normal brokerage account is so you can backdoor it into a Roth IRA. Since you can’t make Roth IRA contributions when you are above a certain income limit, but you can roll over a Traditional IRA into a Roth IRA, this let’s you avoid taxes on the growth of the account.
Overall, pretty good considering it’s low price. It is a bit quirky, kind of like running Linux on a laptop 15+ years ago. Hardware support is somewhat lacking because it’s all pretty new. That said, the default Manjaro that ships with it works pretty well out of the box. It struggles a bit with video conferencing, in my case, roll20. It can play Minetest and Supertuxkart on minimum settings.
I use Slackware because, in my opinion, it is simple, easy to understand, doesn’t get in your way, and strikes a good balance between being up to date, stable, and bug free. I also have it set up how I like it and don’t feel like installing something else. Honestly, the lack of dependency resolution has really not been a problem. By default, Slackware comes with a lot of libraries, and sbopkg (which builds SlackBuilds from slackbuilds.org) can do dependency resolution, as can some third party package managers. And with appimages and flatpacks, this is less and less of a problem.
That said, I use Manjaro on my Pinebook and am perfectly happy with it, and I’ve used Debian in the past too.
<rant> I use RHEL at work and it’s not bad, but I don’t really care for it. It feels overly complicated in terms of configuration and daemons running, and I don’t know systemd that well. Although I think this is mostly the fault of our satellite server, “dnf update” breaks on me at least once a month. Also, some packages are just plain archaic, and didn’t even update from RHEL 7 to 8. And I can’t seem to wrap my head around source rpms or how to make rpms. Slackware and Manjaro use straightforward build scripts. </rant>
Yes. Microsoft is the king of “good enough” software. DOS was good enough (and had a free C compiler!). Windows gets the job done 95% of the time when it’s not freezing up or needing rebooting. Office is okay - and nothing else is 100% compatible so you get a bonus of vendor lock-in. New features are few and far between, as are bug fixes for non-critical issues.