* Qubes for 5 years
* Windows with VMs (1 year)
Long story short I would go with Qubes unless you require Mac OS virtualization, then I would go with a DIY VMs on KVM.
Things I hate about both setups:
* Screensharing, you can only share whatever is in the VM
* Overhead, you need more RAM than you would expect to keep things running smooth, every VM loads it's own kernel. Even in Qubes I typically just run HVMs to keep it simple, installing software in template VMs is kinda annoying
Qubes Pros:
* You get to learn about Xen
* Proper hardware separation easily
* Super easy disk encryption
* UX feels better as you can easily mix windows of different VMs
* Expanding storage is relatively easy and backing up as well
Qubes Cons:
* You get to learn about Xen
* Takes time to setup, audio, camera, mic, video ports not always working as expected
* no way to virtualize Mac OS natively
* No secure boot
I would recommend Qubes, yes it's a pain to setup, but you will learn new things. It will be a more secure environment if done properly.