It may not be for everyone, but there is a third option. I have used Linux on my home PC for years. There are quite a few music apps on there including the very powerful Ardour DAW, which you can get for free. It is also available for Windows and Mac. There are also a fair few plug-ins available. I have not used too many, but I think some meant for Windows can also be used.
Hardware support can be an issue as most manufacturers do not explicitly support Linux, but a lot of USB interfaces use open standards. I am using an M-Audio one, but am considering upgrading to a Focusrite.
I have done all my music production with this setup for years. I am no pro, but it does all I need. It is not just about cost. I like the freedom Linux offers. It is very stable and can be easier to use than Windows in some ways. I have little experience of Apple, so cannot compare to that.
This guy does a lot of videos about open source music software.
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