Hmmm... OK, well I'm a Windows user primarily, because it has the second best apps after Apple, and I object strongly to Apple's "walled garden" business model.
I can say with complete certainty that there are no recurring charges with any version of Windows. If you opt in, you can get MS Office as an ongoing subscription (now known as Microsoft 365), but you can also get it as a one-off payment and no ongoing updates. Also, Windows users have had free updates to the latest version for ages now - I can't remember when I last paid to upgrade, but it was many years ago.
So there is nothing to complain about, really. Until we get to W11. This is the first version where MS seems blatantly to be monetising Windows. Not with a subscription, but with adverts. Can you imagine? - an OS with actual adverts! Of course they are presented as "suggestions", and you can turn most of them off. But even so, pretty bloody naff.
The two best versions in recent years are W7 and W10. W7 was the peak development of the WIMP model user interface, and it was a fine OS to use. It remains my favourite. W10 had a half-baked, half-touch, half-WIMP UI, but was very well sorted, stable and with really good security and stability.
I'll soon be building a new workstation, and I'm going to try to install W10 on it, not W11.
EDIT: I forgot to say that I have no idea what the charging model is for Windows when it is deployed into a commercial organisation. I suspect there has been a subscription model for many years.