A couple of friends have said no need. Eventually I might want apps that aren't compatible with XP, but until then it's just a matter of security. One friend has said that if I have Malwarebytes (free software) and run it frequently I should be okay (but Malwarebytes' site indicates that it should be used in conjunction with a regular anti-virus device [can you recommend a good one, preferably free?]). Another friend said that virus creators would not be interested in targeting XP.
Or should I download a more recent version of Windows? The Microsoft compatibility test informed me that it should be possible to install Windows 8 on my PC, but then stated that it wasn't available for download in this country. So how would I obtain a download for Windows 7 or 8? What sort of price?
With regard to the extension of support, mentioned in the article wiz-king linked to above, will all XP users receive the benefits of this? Does it come with the automatic updates, or with Miocrosoft Security Essentials?
Is the fear of some Millenium Bug type scenario where everything will suddenly go crashing in April (or not), or a longer term threat?
If the threat is just of viruses slowing down the PC then I can continue until it gets too slow for me. But if hackers will be able to access personal information easily that's more disconcerting.