Dual boot isn't that bad if you just use separate drives; the issue is only with Windows and Linux on one drive.

This is only true if you boot Windows by switching the boot order in your bios, if you boot windows through grub or systemdboot, it is liable to overwrite files. That being said, keeping them on separate drives removes all but the afformentioned issue, so I would still highly recommend doing so if you plan on dual booting.