67Monaco
Go Woke, Go Broke.
You sound like a good candidate for Linux! When my old WinXP desktop PC at home died, I pieced one together with the parts that still worked and the rest from a junked PC that I pulled out of the scrap bin at work. I wouldn't install XP on anything now because it's so old, and the system probably wouldn't handle Win7, so I installed Ubuntu Linux 16.04 on it. It has a few quirks but I'm generally happy with it, and it didn't cost me anything.**
My desktop PC at work is running Win7, and the one connected to the TV in our living room is Win7. The kids websurf and play online games on that one, so I don't do any banking on it. my experiences with Win10 so far are my wife got a Win10 laptop, and at work IT installed Win10 on my coworkers' PCs.
Win10 seems stable now. However, I don't like how, with every new Windows version, they change the user interface and hide the advanced configuration controls behind more layers. Also, I use a lot of specialized software at work, and there's always a worry that an application that I require won't be supported in the new version.
** Disclaimer: I was already somewhat familiar with Ubuntu Linux from work, though I was apprehensive about relying on it as my home desktop OS.
I too have dabbled with Linux a bit. Still have my disks from '96.