You are absolutely correct that by design Linux is much more similar to macOS that Windows, so yeah, if you are skilled in those areas on macOS you will have no problem dealing with Linux. But the thing is, on macOS you generally don't ever need to do any of these low level stuff like accessing unix folders or changing config files. You can use it for any task without ever knowing about the terminal, and it'a similar story with Windows (unless you break something). With Linux, that is sadly not my experience. Except maybe if you do mostly office work, internet etc...
I guess that's a fair point. It's kinda hard for me to speak to, since I really haven't booted up a computer in a darn long time, without also very quickly booting a Terminal. Interact with it a lot on any platform. Though I will add that the Windows Terminal, as is, is garbage. MS knows that though, and are luckily very close to releasing a new one, changing a lot of the underlying infrastructure to work more similarly to Linux as well. Thank Christ (though it still seems like it lacksa lot of Unix niceties - though that's to be expected)