Many thanks to Adam Pollard of PC Rescue http://pcrescuewales.co.uk/ for fielding a fascinating Q&A session with a dozen of our Computer Group members.
The discussion ranged over a host of different subjects from upgrading to Windows 10 and is Microsoft a bully to passwords and the future of home computing.
He made one point that might re-assure those who have not yet upgraded to Windows 10, that I had not thought of. Microsoft doesn't plan to stop fixing security problems in Windows 7 until extended support ends. That's January 14, 2020. So you are safe till then and possibly by then you will have other reasons to upgrade you ageing hardware.