As I said, I think XP is a fine OS for most people, but you don't use it in a vacuum (obviously, since you're posting here). Support for XP at the OS, application and driver level is only going to get worse. And this will become a bigger and bigger problem.
Also, Windows 7 is actually just a better OS. In my experience the kernel is more stable and the memory management is better.
Well, I don't disagree. With every passage of time, things expire and new things evolve. But you can already imagine that by the time people like myself get to using the Windows 7, the Microsoft, along with the whole cabal of browser makers and websites, would want me to upgrade to Windows 13, and by then, there will be security professionals not talking from their ass trying to convince that Windows 7 is a security nightmare.
Also, Windows 7 is actually just a better OS. In my experience the kernel is more stable and the memory management is better.