I’m getting tired of all the drama about giving up XP because it won’t be safe. I haven’t downloaded a Windows update since the late 90′s and I stopped using anti-virus software about 8 years ago. I do periodic checks of my own and I do a format every two years or so “just because” and I have never had a virus or any other malware. Maybe I’ll upgrade someday when there’s something I actually consider to be an “upgrade”.
If I were you, I’d get a couple of lotto tickets. It seems you have some crazy good luck. It’s as if you hadn’t locked your door since the late 90s, yet no one has ever tried the knob and slipped in to walk off with your TV.
If you don’t have any anti-virus software, I’m not sure how you can be sure that you don’t have any viruses or malware. They aren’t always readily apparent and even if you aren’t seeing any affects, you could be passing them on to others.
But it’s your computer and your choice. It’s a little like ignoring recall notices from your car dealer. My husband used to do that. Until the rear axle literally fell off the car.