At that point, the OS will be 10 years old, and was a free upgrade for anyone running Windows 7 or later. It's plausible to not have paid a cent for your OS for 15+ years by 2025.
If you've bought a new computer with Windows since 2021, you'll have v11 anyway and won't be affected.
Frankly I have to hand it to Microsoft - they've been generous with OS support. The pessimist/pragmatist part of me puts it down to upgrading old OS's to combat their reputation as being the cause of worms/viruses going mental on the Internet over the past decade or so. So it isn't like they haven't had ulterior motives.
Lots of factors in different distros. nVidia hosts its own Open/SUSE and Fedora repo so from my experience SUSE /OpenSUSE handle nVidia cards well. But I did see a specific distro setup for gaming with all the tweaks, I forget the name right now, might be this one https://news.itsfoss.com/bazzite/