To be fair, cd folder/folder is also instant in a command line in Windows, it's just the GUI aspects that are slow. Comparing Windows Explorer to a terminal is comparing apples to oranges.
In that sense, when a terminal (running on a desktop environment) in Linux is faster than Windows Explorer, it's a shame. When a big file explorer like Dolphin drives circles around native file explorer of Windows, that's a big ole embarrassment.
Then came the rewrite to adopt WinUI elements, and WinRT as well,.....
Now I know better and don't use that thing as a daily driver for... 20 years now? :D