Exactly! There are many wise folks on this wonderful forum who still use Windows 2000 or even Windows 95 today, by applying the necessary compatibility, security and usability patches and taking smart preventive measures against bad actors! So, whatever your OS may be, being smart is VERY IMPORTANT!
Windows 10 is just useless and bloated and unstable, and even with "security" updates, it is not made as secure as older Windows versions, such as 9x-Vista, which very less number of people use today and which are highly unlikely to be targeted by bad actors. I did not mention 7-8.1 as they are still used by about 15-20% of the Windows population, but over time, usage will decline (partly because of Microsoft's intimidation) and they will also become more secure.