Yeah, it makes me think back to the CD days. I think just having a Windows install CD already premade for you made the process at least semi approachable.

Last month when I was installing an OS (it was proxmox, not exactly beginner friendly, I know) the first boot disk creator I used “worked” but ended up failing in the install. The second one worked though.

All in all, creating your own install disk is nice and flexible, but it really is a barrier for the average user.