Depends on the distro but you are largely right. You can easily use Linux Mint or Ubuntu without being familiar with the cli.

You are not too dumb to learn Linux. If I learned how to use it then you can. Start with with something simple and easy to install such as Linux Mint or Ubuntu and you will inevitably learn more as you go on. If you can read, type, point, click and observe then you have all the skills required to install the aforementioned distros.