Still, we are not in the 90s, nowadays it would seem unreal/a waste of time if I think about going to the bank to do basic things like checking a statement or paying my rent, paying Bills and so on. I mean, you have to get to your branch, sometimes it's close to where you live, sometimes it's not. If you live in a big city, you are better off using the tube 'cause it would be a nightmare going there with your car and... once you get there... there's probably a queue.
Anyway, it's just an example, but my point is: technology is here to help and we should use it. Sure, there will always be bad guys working in the background, but once you are protected from the most common mass attacks, why should you care? I mean, if you are not a very important and famous person or a company, it's unlikely that they would target you specifically. And even if you are a VIP and you implement very strong defensive protections, if an attacker is skilled enough, he will always find a way, just like the NSA does with terrorists and other suspects to protect the country (even on Linux).
Conclusion:
As things are now, overall, I think that XP users with updates, Firewall and antivirus are not less safe than Win7 ones, but again it always comes to common sense.