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Depends on what you mean by decent.
For privacy it's shit, it collects a bunch of data that's sent to MS. It also serves text ads on the lock screen, which might annoy you.
They also push their own products too much, like Bing AI and Edge, and sometimes an update can mess with the default apps, wich is annoying.
If you don't care about those things it's fine, doesn't get too much in the way of you doing what you want to do most of the time. I use it mainly because of gaming, but I can't tell you much about its performance because I have a powerful PC so everything runs just fine.
The start menu was dumbed down recently to a poor KDE clone, but I personally don't mind since I wasn't using it anyway.
I guess I was asking broadly because last I heard anything about it was shortly after release when there was so many missing compatibilities, lots of things broken and unfinished, and everyone was hands down saying don't touch it with a ten foot pole. It sounds like it has gotten a little better, enough for some people to be fine with it, but by the majority of the replies it sounds like it still isn't "done" or is never going to be. All your information was helpful and I haven't read elsewhere so thanks!
I see. If your concern is unfinished features, I don't think you have to worry about that anymore.
What you could do is spin up a virtual machine and test it out there. Here's the official guide on how to do it.