Solid post. The key takeaway for me was Stripe admitting they won't use post-dispute evidence of friendly fraud to build cross-merchant signals in Radar. That, plus the customer literally bragging about it after winning the chargeback, shows how lopsided the system is against indie sellers. Thanks for sharing.
You can just use Windows and run your required Linux distro inside WSL2. That's exactly my setup—I'm a heavy user of both, as I need both systems daily.
I once built a small utility using the "Fyne" framework; it was reasonably functional and made it very convenient to compile cross-platform executables (including for Android).
I took a look at your recommendation, "gova"; it seems to be just getting started—keep up the good work!