I don't think it's necessarily a problem due to the user, I think it's things like flakey hardware/drivers, flakey 3rd party software and customization/3rd party patches that are most likely the culprit. As I've said before, the vast majority of Windows users don't encounter issues with the updates.100% agree. There are really no problems with Windows 10 2004 version 19041.xxx and also with version 19042.xxx
And to be honest, I've never had any special problems.
True, some smaller and really completely irrelevant have been, most recently about 2.5 years ago.
I personally think that all the problems are between the back of the chair and the keyboard.
Windows Update can be abused to execute malicious files
http://b1.download.windowsupdate.com/c/upgr/2020/10/windows10.0-kb4562830-x64_75cbce76d188e8fdab860946c0131789de35ea64.cab http://b1.download.windowsupdate.com/c/upgr/2020/10/windows10.0-kb4562830-x86_783bffa980064c0c92179ad454db7d164567cc7a.cab http://b1.download.windowsupdate.com/c/upgr/2020/10/windows10.0-kb4562830-arm64_fb227761d5f29a7ed093755026444054687597bf.cab