I've heard a lot about internet problems with XP but never experienced any myself, or anyone else for that matter. It could well be a myth (similar to Y2k) that the world would end when XP updates stopped!
Yes its true. It kept using XP : my car blew up, my cat died, house was burgled & I lost my job :-(
No, the world will NOT end if you are on XP. Just uninstall java & flash, install FF & a good AV. And be carefull.
The fact that many XP machines were never getting Win updates anyway seems to be ignored by the panic merchants.
And the fact that its the USER , not the OS that is the biggest security risk. Thats why fully up to date PC's still get infected.
Win7 is better though & XP is on its last legs .