. . . I have a coinbase wallet . . . Are these two services "good enough" for people, who are otherwise dumb to IT, and cannot setup a linux distro? If not, can anyone recommend something else? . . .
Coinbase is ok for purchasing or selling bitcoin (they've had some issues recently, but seem to be getting them under control), but because you don't have control of your private keys with them, I wouldn't recommend them for storing bitcoin for any length of time. If you are looking for advice, I'd suggest either Electrum or MultiBit if you want to install a wallet on your computer. If you prefer a web hosted wallet, I'd recommend
https://blockchain.info/wallet rather than coinbase.com. I'd also recommend storing a backup copy of your blockchain.info wallet, so you can still access your bitcoins if anything ever happens to the website.