But for most home users, it's not a big deal. I imagine 99% of home users are behind a NAT, and being behind NAT means external attackers aren't going to be able to connect to your machine and run remote exploits (ie, EternalBlue). The only way to get compromised is to get trojaned, in which case a Windows update wasn't going to save you anyways. At best, it means a trojan might have a slightly harder time escalating to Admin/SYSTEM without getting caught, but a trojan doesn't need Administrator permissions to ransomware your Documents folder or add your machine to a botnet.
As long as your browser is up to date, you'll be fine.