Running Windows 10 Enterprise IoT LTSC still gives you updates until 2031 with the added benefit of no app store. I run it as my main OS since last October and have yet to encounter any issues.
It depends on the type of software a user runs. I installed Windows 10 LTSC on a friend's computer last year thinking she could run it for at least 5 more years and just ignore the newer Windows 11/12/whatever.
But she needed Intuit TurboTax 2025 and it requires Windows 11 and it's a hard requirement. The installer aborts on Windows 10. It's not a soft requirement like Adobe where they only support Windows 11 but their installer still runs on Windows 10. Autodesk Fusion 360 is another example that requires Windows 11.
I'm guessing if there's a future Windows 12, Intuit TurboTax will be aggressive about making it a requirement that forces the issue even though nobody wants to upgrade to it.
Desktop installed version can file multiple returns so the overall cost is lower.
https://ttlc.intuit.com/turbotax-support/en-us/help-article/...
I would add that I've also used Windows 11 IoT LTSC and that experience is very similar to Windows 10 IoT LTSC.