Having a great kernel doesn't matter when the OS it's built around is garbage. You should feel bad for using Windows, OP. Especially if you're the type to value security of information. You're giving everything away. At least try to pretend like you have some reasonable expectation to privacy.
The reason there are so many Linux Distros, is simply because most of them are tailored for a specific purpose, platform, or hardware, or are there as alternatives to less trustworthy (read: Canonical-made) ones. That's what you get with Open Source development, it's a more distributed means to an end, and as a result, less emphasis is put on turning your PC into a wiretap you use to watch cat videos. It's for the tech savvy, and while I can understand people not using it for that reason, there's no reason why a beginner can't use a Linux device, given the right distro. And, for what it's worth, Android is a Linux Distro.
I use a super trimmed down version of Windows 7, and Linux Mint. Both of those pretty much cover all bases when it comes to my needs. Windows 7 is the last version of Windows. Prove me wrong, you can't.