Mostly it means that the "end of life" (end of support, security updates, bug fixes) for Windows 7 and 8.1 is coming many years earlier than Microsoft had promised, -IF- you have a modern CPU. Your computer running 7 or 8.1 will continue to work, but it will rapidly become insecure and more dangerous to use on the Internet.
This was expected to happen in 2020 for Win7 and 2023 for Win8.1 -- but now Microsoft says that only applies to older hardware. If you have newer hardware, you will have to upgrade to Win10 to have security and bug fixes.
I have three different anti-virus programs.
I don't want windows 10; I don't do well trying to learn "NEW" things/ways with computers. Actually, I stink utterly at everything other than what I know how to do on one. That's not a problem for me, because I only do a few things on a computer or laptop...until faced with this HUGE problem.
So....just to make certain that I understand this....this means that as of April 10th, I can still use my laptop, won't lose anything, but CAN get "infected"/hacked?