And I bought my first computer in 1984, have learnt and forgotten a few programming languages, been everything from system assembler, Microsoft trainer, systems engineer, sysadmin and now solution architect, and I have never, EVER, lost any data in my 32 years of using computers.
And I think it's irresponsible to use a PC with an unsupported OS for which even security patches aren't being released anymore. Yes, it's just my opinion, but it's a phenomenally well qualified one.
That said, not being stupid is the best defense for sure!
Cheers - N