Fed-up Torvalds suggests disabling AMD’s 'stupid' performance-killing fTPM RNG
(www.theregister.com)
You named multiple things with major compromises.
Gaming is fine if you use Steam and the compatibility layer or jump through hoops, and don't play basically anything online.
The photo editing tools on Linux are dogshit.
Web browsing is fine, but not if you want to stream any content, because no one will serve you anything even medium quality without DRM.
Office stuff can kind of be replaced, but mostly by using the browser versions of the shit people actually use, because the tools to collaborate with others (particularly non-techy people) don't exist for open source alternatives.
The software available is absolutely a massive limitation.