Maybe if you install software like Voicemeter on Windows it's tolerable, but the experience of doing simple audio stuff on Windows still frustrates me in 2020. It's way too common that I see some application that has exclusive use of a device which means that everything else is going to be silent. JACK is great by itself, but it's one good piece of software in the giant mess that is Linux audio.
On the Mac, you want something like Logic to run, you just go into the Logic preferences, set the output device and the buffer size. You get the low latency you want and other apps are free to use the same device as well. It's the only platform where I consistently get both "all the apps just work without messing with it" and "the pro apps have low latency".
If you want desktop audio recording you can install iShowU or one of the others.
On the Mac, you want something like Logic to run, you just go into the Logic preferences, set the output device and the buffer size. You get the low latency you want and other apps are free to use the same device as well. It's the only platform where I consistently get both "all the apps just work without messing with it" and "the pro apps have low latency".
If you want desktop audio recording you can install iShowU or one of the others.