Sure, but then we start getting in to gray areas...
I would still argue that from everything you mentioned, using Windows is the only acceptable thing if someone has no knowledge of Linux distros. And in most cases, the average Joe won't have any. Everything else you said, is not recommended.
I would say if you can't commit (or don't have the knowledge) to set up an airgapped wallet properly, then you would be safer using a hardware wallet instead of settling for a sub-optimal airgapped set up.
That's why the most common answer to the question what type of wallet should I use is buy a hardware wallet.
I made a decision a long time ago, I will not help anyone to invest in crypto if that person does not understand some basic things before, and if they will keep their coins online or in a mobile/desktop wallet on devices they use every day for various activities. Then it's just a question of when something bad will happen, and then it's usually someone else's fault that it happened.
When and if something happens is not a concern of yours. The only problem is if it's a close friend or relative and you wouldn't want them to get hurt or scammed. Even then, I would seriously advice them to reconsider what they are doing and explain what can happen to hot wallets.