Linux Mint is pretty good, it has a Windows 7 kind of feel to it. Fedora is also nice, it great for tablet, also with touch. Both work pretty well and consistently out of the box.

I understand the Bitwarden not hosted yourself. I’m somewhat of a noob myself and wouldn’t trust myself for it. But Nextcloud seems to me like it’s not too big of an issue if it’s down for a day or two. Do you often work with remote files? I am planing on just using Nextcloud for syncing which can wait.