squirrelking: I agree with what you’re saying up to a point. Yes, user error is the major contributing factor to the vast majority of computer problems, however for home users, OSX and Linux Distros default to what I’ll term here ‘safe’ i.e. non root modes whereas MS (the last time I was exposed to one of their Operating Systems anyway) leave it to the User to make the (often wrong) choice.
Anyway, as for Linux Distros. Currently Ubuntu seems to be the most widely adopted and most easily used distro, certainly the half dozen or so machines of various ages that I’ve installed it on have all taken it with no further adjustment needed, right the way down to the drivers for a touchscreen being installed by default. If speed etc is important to you then Lubuntu would be my suggestion.
Hope that’s helpful, enjoy the Linux experience!