Ehh I sorta disagree. Many older windows machines "could" run windows 10 today, but your experience would be miserable for casual desktop use unless you have at least 2GB, etc.
So a windows xp machine "could" run windows 10 but you don't really want to. In apple's case you can't downgrade your OS version, and I've seen an iPad 2 go from "smooth and fluent" to "crashes before I can even unlock it" from OS updates.
> In apple's case you can't downgrade your OS version
You can if the old version is still being signed by Apple.
For example with the iPad Air 2 both iOS 12.4.1 and iPadOS 13.1 are currently being signed by Apple so you can downgrade for the time being. When will stop signing 12.4.1? Who knows.
> you can only rollback if you're pretty technical.
I wouldn’t say that you need to be too technical. I’ve helped elderly people do a restore of their iPhone over the phone. The process is basically this.
Step 1) download the software package from Apples servers. Places like https://ipsw.me/ make it easy to see what is currently signed for your device and get the download link.
2) Install iTunes if you don’t have it already on your Computer, Open iTunes and connect the device to the computer.
3) In the device options in iTunes, hold shift/option and click update, point the file dialog to the software package downloaded from Apple and confirm.
4) Watch bars progress across the screen of the device.