1996FordMondeo
I dual boot Windows 11 and Kubuntu idk-what-version and I use both OSes regularly, though I only use Windows for videogames.
But yeah, what you said is right. It's not frequent (like 1 time a year) but Windows updates might fuck with the bootloader. It's easy to fix, but you gotta know how to do it. There's also an issue with the clock: IIRC Windows store the time considering the timezone, Linux doesn't so whenever you switch between the 2 OSes you might get the wrong time displayed on the other. Again it's an easy fix online, 1 line of shell command on Linux.
Still, I prefer this to virtual machines.