You sound like a good candidate for Linux. Zero-cost,free upgrade, long term support (LTS), malware (sort of) immune and works just like Windows.
I quit using Windows after the Millennium version even though I still hold a certification from Microsoft as Certified Systems Engineer.
PC users are intimidated by Unix-based Linux because of the command line that require some codes and extensive memorization of syntax. Well, that was more than seven years ago. You can (now) load Linux without having to sit in front of the monitor to load the OS.
I've been using it for almost twenty years for online purchases, banking and passport/visa etc even stock purchase.
I still use Windows for some government transactions like IRS and DMV. Linux is still quirky when using my HP printer with these agencies. It may be the way I had it set up. . .but it is the least of my worries. I don't want to mess with my DW's printer.
It's a poor man's OS with all the bells and whistle so why not take advantage of it.
If you ever decide to go With Linux get the UBUNTU distribution. . . it is written for PC users.
