alt Hacker NewsARM Windows laptops are a pretty different scenario now than when the Surface came out. They have pretty seamless x86/64 emulation built in similar to when Apple started their Mac transition to ARM. In contrast the OG ARM Surface didn't run any existing Windows software.
Most people could pick up a modern Windows ARM laptop and everything they do would work just fine, just potentially with less heat and longer battery life than their older Windows laptop.
The primary annoyances would be Windows itself and its ad and engagement driven UI reminding you about Copilot and Edge every chance it gets.
I wouldn't call it "seamless"; a lot of Windows applications don't work. An example is some software packages common in the construction industry which want to install all kinds of ancient x86-only thing likes old ODBC drivers. So that wipes out one of the compelling reasons to have a Windows laptop. Quickbooks (Enterprise Desktop) is another example of one; not supported on ARM, although with some hacking you can get it to sort of work.