I get that there won’t be any security updates. So any problem found can be exploited. But how high is the chance for problems for an average user if you say, only browse some safe websites? If you have a pc you don’t really care much about, without any personal information? It feels like the danger is more theoretical than what will actually happen.
Or… are there any examples of people (not corpos) getting wrecked in the past by an eol OS?
Sure, if you’re actually being safe and following good security practices, the risk is low, but the average user does not follow all the best practices.
Even if the only way to get a computer virus was to literally clap your hands together three times while repeating “I wish to get a computer virus,” some people would get a virus on their computer all time.