This is one of the little things I love about Gentoo. It's rolling, but not bleeding edge.
Plus, you can opt into bleeding edge either per package or for all packages. It's honestly a flexibility that doesn't even require a source-based distro, so Arch could do it too.
'Toy' feels strange to me here. It's more of a just-works vs power-tool distinction. Sometimes people like tools that require you to RTFM because the deeper understanding has concrete benefits; it's not just fun. User-friendliness is not all upside, it is still a tradeoff.
You're absolutely right about hurting new users by not making the destinction, whatever label is used.