You’re safer on win10 even after they stop supporting it than win11.

That’s just not true. An actual spectre/meltdown/etc exploit is much less likely than you run-of-the-mill virus or whatever, so if you’re not getting security updates to your OS and apps, you’ll be much worse off than the fringe case of a theoretical attack.

So that part is just flat out wrong.

Either upgrade your hardware or run Linux, don’t run outdated software on anything that touches the internet.