The ideal end state is "why not both?", I think. Have an immutable "base" system, and utilize mutable overlays on top for any necessary tinkering or involved activities.
Casual users need not interface with the overlays at all (or do so through very controlled mechanisms, like how Flatpak/Snap, Steam game containers, etc work today), while developers, tinkerers, and those that are curious can create throwaway environments that they can mess with to their heart's content.
WSL on Windows has its warts, but it shows how such an ecosystem is possible (if you treat Windows itself as a Black Box That Must Not Be Modified). I think the immutable distro ecosystem is on the right track, with technologies like Toolbox/Distrobox to bridge the gap, it will just take time for the tooling, practices, and ecosystem around them to mature and not be as much of a hassle as they are today.
Today, I am running both immutable and non-immutable setups on various machines. My work computer (development) and gaming rig are on a traditional setup, as my specific development needs are not 100% compatible with a toolbox environment, and gaming-adjacent applications like Discord are slow to adapt to the needs of Flatpak containerization. I have a laptop that's 100% just used for media consumption and shitposting, which is a good use case for immutable distros today and is running Fedora Kinoite.