But there is one other risk, and it is perhaps the biggest risk of all. It is correlated with Windows XP, but not caused by Windows XP. Any machine still running Windows XP is probably 8 - 10 years old now. Your PC is mortal and near(er) to death.
Microsoft wants you to purchase a new PC running Windows 8 and Office 365. Office 365 is a subscription-based Office software plus cloud services.
I am an old dog, and I resent having to learn new tricks. Maybe if there were some treats to be had from Windows 8, but there aren’t any for me. Touch screen? OK on a tablet or smartphone, but not on a laptop or desktop PC.