once you get past the installation (which isn't always hard, but requires a little more knowledge), using linux with gnome or KDE is just as easy as using windows. I use it for everything expect games that I can't find ported for linux and for quicken. Now I am sure you are saying what is KDE, what is gnome? well it is the graphical interface that operates on top of the linux command line environment. I know I will get killed for the analogy, but it is sort of like the way you used to be able to run windows 3.1 on top of DOS, except in this case there are many choices for the environment you can use. There are plenty of capable applications..star office,koffice, gnome office, etc. for office suite type stuff, mozilla, netscape, galeon, konquerer, opera, etc., for browsers, chat clients, scanner software, camera software, real player, etc., etc.
Try it, I think you will like it. The way you think about things like drives, and learning to mount and unmount drives as you need them are different than in the windows environment, but all in all, using linux is not hard. Getting it set up just the way you want can be a little daunting at times, but it is getting easier all the time