In person it’s very noticable. If you play games in the dark a lot it can be “night and day” difference going from LCD to OLED imo.

The best description I can give it is the colors are just so much more punchy and strong as well as the light bleed being completely gone. 90 Hz is just icing on the cake when navigating menus.

An important note to your last one is for some of us we don’t get an option. Work does everything with Office 365? Welp, guess you gotta use Microsoft products now 🤷