What is disto?

A distro is the variant of linux you choose. Some are optimized for servers, some are optimized for general desktop use.

For beginners, Linux Mint is where I would suggest starting. It feels familiar to a Windows user and is specifically designed to be beginner friendly.

There is a detailed install guide here. But the short version is:

1. Download the iso

2. Put the iso on a USB drive

3. Boot to the USB drive

4. Click next a bunch on the installer. If you don't have anything on the computer already, choose to have it wipe the drive and install Mint as the only OS. That greatly simplifies things.

I am assuming you are from the Apple/Android ecosystem.

A "distro" is short for "distribution".

Same as iOS on iPad and Android on other tablets have an App Store, Linux distributions have an App Store like thingy. It is called a repository (different name, similar job).

The difference between an App Store and a Repository is that while app stores will only have Application Software (i.e. the stuff that you directly use), a repository will have everything that makes up the Operating System. So, System Software and Application Software.
How it affects you? Well when you do a system update, all apps including Linux and every base component can updated at the same time. This makes sure that everything works with each other, properly. The problem with this is that it gives you the power to install something that doesn't work well with other things and if you don't read the prompts before pressing "Yes" or typing "Y", then you might cause some headache.

Now, the repository lies on the servers of those who build the software from their source code and provide binaries to you.
To access that, you have a program on you computer called a package manager.
If you find it hard to use a terminal, I suggest going with something like Ubuntu or Linux Mint and using the GUI (Graphical User Interface) package manager, which might be named something different you can easily get used to. The experience will be kinda similar to using the app store apps on tablets/mobiles except that it won't go around giving you cash-grab notifications.
You can use the GUI package managers to install and update software as and when required.

Different Linux Distributions (distros) are geared towards different kinds of people and some of them don't even come with a GUI from the start, for which you get to decide exactly what GUI software you want to install. This is better off left for when you have gotten privy with whatever default is available on the beginner-friendly distros and have the time to research all the available options and match them with your preferences.
The reason it is hard to find anyone to do this for you, is because you yourself are the best judge of what you like.

Just keep using windows