Need help deciding between a few privacy setups

If that’s your only issue with Linux, I’d definitely at least give ONLYOFFICE a try before switching to Mac. It has a more modern interface and it should have better compatibility with Microsoft document types. I forgot to mention in addition to WinApps, there’s also Microsoft 365 Online which runs in your browser and shouldn’t require any fancy setup to get running. It doesn’t have every feature, but a lot of Linux users keep it as a backup in case Microsoft formatting is ever screwed up on LibreOffice or ONLYOFFICE.