I just discovered Microsoft's new XP Upgrade Marketing tool.
Regardless of whether XP goes out of support it will continue to function, and you'll have the benefit of all prior patches. As long as you aren't a wild one at the stick and you continue to use proper malware detection and removal tools, if you don't connect to the web often and you do simple things such as read your mail, play a game or two, etc., XP will be fine for you, at least for the next couple years. In my shop lots of people bring machines that have XP (without having done updates) that have no viruses even though they've been in service for a long time.
That said, their new marketing tool is an "end of support" notification program that they are loading AS A CRITICAL UPDATE. This notification program will annoy you with bubbles and prompts displayed in your system tray. This is a bit silly, and it is also misleading.
People, if you are in this position and your computer hardware is fine, and you want to address the fact that XP is loosing support, use Linux (Linux Mint is cool, Ubuntu is great, Suse is right up there with maximum security and superb performance). Point being -- don't fall prey to the implication of this notification, which is that you need to upgrade to another Microsoft product.