Nah, not for me. I've known to use Windows OSes beyond their EOL support. I remember having still been on Windows XP while everyone else went to Vista and then to Win7. When I got to Win8, it was only because I bought another computer from a friend that had it, that was how I got upgraded.
I don't abide by when Microsoft wants me to upgrade by, if they can pull their heads out of their asses (unlikely) for Windows 12, then I might consider.
To be fair, they connected the XP and 2k machines directly to the internet. Normally you have a router in between nowadays which makes such infections way harder.
right? end of support has never meant end of useful life in my experience. I went from 98 to vista. don't inconvenience yourself is my main advice to people looking to switch. Shit I'll probably be installing win 10 LTSC at some point even though I'm all in on Linux as a daily driver already.