For home users, WIN10_Pro and WIN10_Home will perform reliably for a few more years until desired hardware upgrades force an upgrade to WIN11, or Linux.
The people who develop code to get into other people's systems for malevolent purposes are currently holding off on releasing it, if they have something which is very effective. Your advice will put people at risk.
Please don't spread this mindset. You are completely misinformed.
There are new 0-days, exploits, and malware popping up literally daily. Security patching is a lagging operation, playing whack-a-mole with new problems as they are discovered, tested, and patched. Threat actors are actively and regularly exploiting unpatched Windows 10 machines, and I promise that you have no idea it's happening. The grand majority of home user compromises happen within seconds and threat actors often have persistence in your home environment for weeks or months before you'll even notice, if ever.
If you think you're safe because you're savvy enough to spot a scammer on the phone or a malware pop up, you're not even halfway to safe. 83% of attack success by a threat actor is against unpatched machines.
Understand that they may not gain initial access via an unpatched endpoint. Your ISP's modem is often the initial access vector. Once they've established a beach head, they start probing your network for endpoints. It's very easy to determine operating systems running by simple, publicly-available scanning solutions such as NMAP.
Once they've found an OS that's no longer supported, it's trivially easy to breach them, because the exploits are known and unpatched. For more recent operating systems, they'll probe for open ports, and they'll start hammering on them with common attack vectors to see if any of them bear fruit. Once they find one, it's game over.
Saying that security updates for Windows 10 don't impact a typical home user is foolhardy. Just because you're sitting on a NATted machine behind your ISP doesn't make you safe. Just because you have three antivirus and antimalware solutions installed doesn't make you safe. (This actually makes you LESS safe, FWIW.)
Stop blaming the OS developers. They're deploying patches to keep you safe. You have to do it on your phone regularly. You have to patch MacOS and Linux regularly too. Why does everyone think Windows is some unique fish in this pond?