You left off another option

Since XP won't be supported, maybe it's time to start from scratch (yes, I understand we're all being careful with our money) and leave the Microsoft empire. When I tried Windows 8 and hated it that made me try Apple Mac. Yes, it's a bit more expensive up front but the tightly controlled and secure OS made this my option. No more $70 per year for virus protection not to mention the quality of not just the OS but the hardware. Look at how many people are using 5, 6, and even 8 year old Mac's on line and you'll see why I jumped ship. When you amortize your up front costs, that makes computing more affordable than you think. Sure was a fun ride while XP lasted happy