I get what you are saying but right now there are no known exploits and with so much patching happening will there ever? These things are always over blown in the media and the reality is very little damage happens to the average user.

It’s servers perhaps that are most at risk.

Also I don’t do much on my Windows, mostly gaming, I run an iMac and boot into it only for certain tasks, so it’s extremely unlikely I will ever have an issue.

Any performance hit, even if small is just not worth updating for to me.