Its only one LTS Version behind, but its still very usable. I have confidence that COSMIC is going to be just as easy to use as Pop!_OS is now. This gives them an opportunity to make even more changes that will improve the end user experience. The System76 team knows what they are doing and won’t release a busted product.
That annoyed me with Windows too, however, Active Hours adjusted to the times that I actively used my PC. As I kept my PC up to date and never kept it running while not in use for too long, I’ve never been threatened with a forced restart randomly. That being said, a user should have full control over their PC. They will though in turn be responsible for any poor outcomes due to making poor decisions.
I ended up choosing a Linux distro over Windows because I have absolute control over my PC at all times. Freedom to modify, to potentially break, but also easily recover my distro if I truly fuck up.