Given all the major AV vendors are still providing updates for XP and Microsoft has released the only critical security fix for XP, I'm not concerned about Windows 7 at this time and plan to continue running it for a number of more years.
"the only" meaning they have released exactly two crucial XP security patches in the 5 years that XP has been out of support? That means 58 of the 60 monthly patches have had nothing for XP. Does anyone believe that XP has no security issues? No - it means XP is no longer supported outside extreme issues that are found.
Advice to continue running an out-of-support OS and taking your chances with 95% of the security bugs that are present, when a current, in-support OS costs <$200 (
or free) is bad advice, IMHO.
And yes, a new machine may be a better option anyway- Win10 included-if financially feasible. Win8 is nearly 7 years old, so most machines with Win7 initially installed are a bit dated (though certainly functional for many use cases).
Curious - what are the major AV vendors providing updates for XP? I use Adobe LIghtroom extensively and they dropped XP support in LR 4, 2013 and haven't offered LR3 for sale in at least 5 years. Photoshop CS6 was the last with XP support, also 2013. They've already announced that the next version won't support Win8 or early Win10 releases.