Re: The issue is no one trusts Microsoft
It's a calculated risk, but if it were me, I'd probably upgrade; that's what I've been recommending to friends and family.
AV software will help, but it is gonna be more reactive than proactive, so there are no guarantees. Depending on your computer, you might be able to upgrade OSes, rather than purchasing a new machine. As many in this thread have pointed out, your online habits and software needs will dictate what kind of replacement OS (if any) would be most ideal. For web browsing and email, a tablet or Chromebook might be just as good (and likely faster) than an old PC. If you ever do heavier content creation, such as running Photoshop, then it's a different story (though if you're running something like Photoshop, I'd wonder why you haven't embraced a more modern OS already).