Your attitude here, to give a somewhat more illustrative automotive example, is akin to shunning many modern safety devices, standards and common sense. Driving on bare tyres is fine pretty most the time when sunny, until the road is wet, upon which you will likely end up in a ditch. Same deal with seatbelts, where you're fine for >99% of the time, until your knees end up sandwiched in the windscreen after an accident. Not to mention ABS, AEB, and a whole slew of other safety advancements.

You can keep driving your '70s wagon with bench seats and no seatbelt, no one will stop you. But when your banking details are sniped or your system is subject to a cryptolocking attack and you have to deal with the subsequent inconvenience/crisis, you know why.

If you're going to adopt "but it hasn't happened to me" attitude, you should drop the "just SHUT THE FUCK UP" attitude in your post and start ignoring those comments instead, since the people telling you to upgrade are plainly, objectively correct.

You don't need to use Windows at all to have a modern and secure computing platform, BTW. Once ads started appearing in Windows, it was clear they abandoned all reason for madness. Any power user using it as their primary OS is just asking for it at this point.