I disagree with most of this. Microsoft famously had a lot of bugs, but they spent years untangling the OS, and now it's rock solid. You may disagree with their design choices and shoehorning AI everywhere, but the fact is that they can without it disrupting core OS stability or requiring a re-branding of version numbers or moving to a tick-tock release cadence.
Apple needs to untangle their mess. It doesn't matter if it's a paid upgrade or not. Someone at the top is more concerned with yearly feature releases than stability and it shows. Period. End of topic. They need to prioritize stability. Once they do that, there will be fewer death by 1000 papercuts.
Actually I think it's worse; the Apple Silicon is really really ridiculously fast. So fast that tasks that could take 8+ minutes on an Intel i7, were taking under 30 seconds on the M1. The M5 is about 50% faster than that, or 15 seconds.
That also means developers are no longer concerned about optimization. When you're encouraged to move fast and not worry about speed, it encourages devs to do things because they work, not because it's deliberate. All of these non-deliberate choices add up to rot.