

It might be a remote exploit or it might not. An OS is not just a program that runs in the background, if it is critically important.
These kind of exploiters don’t tend to attack you in particular, they have botnets scanning the web for any compromised machine.
Running windows 10 is fine today, might not be fine after EOL. It is irresponsible to shrug it off and not even consider the alternatives out there, including windows 11.
I use Linux exclusively but I don’t think it’s relevant to the discussion.
I would rather use windows 11 than any other EOL version of windows. I loved windows XP when it came out, wouldn’t dare to use it today.