Re: "an upgrade will have to happen in the coming months or years"
This has basically been the case since XP. They blackmail the less technical users and threaten them with "Ooh, you might get a virus". To be fair, antivirus companies have been doing this for years.
In reality, just use an application-level firewall to block in/out *everything* apart from your web browser. This is good enough for 99% of consumers and would even make Windows 95 more secure than Windows 11.