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On having to be tech savvy: I'd like to say no, but I am not sure. I am too far into the rabbit hole of tech to gauge the outsider perspective. Likely you will have to at least be comfortable running commands from a terminal.
Yes, a base MacOS install is necessary to install Asahi Linux. Just shrink its partition (as per instructions) a lot, so that not much is lost. But once you are booted in Asahi Linux you never have to go back to MacOS for anything. You can, but you don't have to.
User-friendly: as much as any Fedora Linux. Behaves the same way. The default Gnome desktop is very functional, with gestures and all. Feels very natural to me.
Hope this helps.