I stopped accepting the MS
updates to XP a bit less than two years ago. My take is similar to others on this group, that the bad guys will be so concentrated on trying to hack major companies who have upgraded every time a new version came along, that their interest in small individual users with archaic systems will have evaporated. I don't think we small-time users of XP will be at much risk.
In my case, having had XP since I bought my current desktop several years ago, I might consider an upgrade to Win7. The Windows 7 evaluator seems to consider my elderly system has enough grunt to do the job. I'd just have to update a couple of programs (Quicken, for example) to be compatible.
Until a couple of weeks ago, I'd have had a problem, since I didn't think my wife's ASUS net-book, also running XP, would have fared so well on W7. She solved my dilemma by giving the box a 10-hour bath in a half-glass of Pinot Grigio while it was powered up. Our Apple-based grand-kids had already given her an iPad, so when the net-book went to the happy hunting ground, she decided to master the iPad.
As someone with over 20 years of MS
experience (starting with Win 3.0) and other computer experience going back to 1966 on an Elliot 802, using ALGOL to solve engineering problems, I'm finding Apple to be a whole different environment. DW is not impressed when I can't answer her questions.