Since you do not have a business that runs software that will require the latest Windows updates to be compliant, you will be able to ride you current installation of Windows 10 out for quite a while--way after the sunset date--until the applications you depend on stop developing for and supporting Windows 10. You will just need to be more careful with your habits since there will not be any security updates for the OS forthcoming. However, being an older computer running a conventional hard disc drive (spinning drive,) you should be anticipating a failure at any time. Yes, that is also true for new computers with solid state drives (so back up your data at all times everyone,) but especially true for any old hardware. People tend to make more hasty decisions when they are up against a failure that has left them without any computer--and those decisions are almost always more expensive. You are always better off transitioning to a new PC in a controlled manner before a failure. The good news for you is that so much processing power is being developed for gaming, virtual reality, and AI, the baseline price of a PC perfectly capable of handling the types of tasks you are probably doing is coming down all the time. There are a couple of things to be aware of however: First, you will see a lot of inexpensive PCs out there with ridiculously small primary drives--32 GB and even 16 GB. These are usually eMMC memory devices and that storage is integrated with the motherboard and not upgradeable. Avoid these at all costs. Eventually you run out of storage and cannot do updates to the OS. While you can still store files on other drives or in the Cloud, the inability to update OS or upgrade the main drive is crippling. Second, a tower PC--even a small one; as opposed to a laptop or micro-pc--is always going to be a better bang-for-your-buck and will be much more easily upgraded and serviced in the future. One note on tower PCs however: look at the video output to make sure your monitor is compatible or you will either need an adapter or a new monitor. Many of them now only have HDMI or Display Port (DP) outputs which will require you to have the right cable or adapter to use with older monitors.
Basic specifications I would look for:
Decent processor: Intel Core i5 or i7 or equivalent.
Good main drive: 1 TB SSD
Enough memory: 16 GB minimum RAM
Latest OS: Windows 11 (But don't be afraid to get Windows 10 if it is eligible for a free Windows 11 upgrade.)
You will either be forced to upgrade due to the operating system or a failure eventually, so start planning and saving now and it should not be a stressful thing.
My two cents....
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