I'm wondering the same thing. I have an MSI motherboard for a custom built system however there's no BIOS update available and hasn't been for at-least a few weeks now as far as I am aware. However, no vendor is likely going to release an update for an really old system because they tend to use the 2-3 year range.
With that in mind, you don't need to worry about Meltdown or Spectre exploitation for the time being and I suspect this will stay put for at-least 6-12 months from now. There's no known exploitation of it within malicious software in the wild, and the Proof-Of-Concepts/original findings were by highly skilled researchers who allegedly had information about the CPU architectures which are private and not publicly disclosed - I do not know if this is factual or not though.
@Lockdown said on another thread exactly what it is, that malware authors which are traditional and release into the wild are not in this game for hardware/firmware exploitation. And even the ones who are capable of doing so, the chances of them accomplishing it are really small. You can throw the source code onto a malware authors lap and 99% chance they won't know how to use it, at-least to it's full potential.
Look at EternalBlue and WannaCry. Sure, it was used. Sure, EternalBlue was a government exploit. Sure, WannaCry did a lot of damage. But was it used to it's full potential? Nope. Kernel-Mode code execution via privilege escalation and the payload was user-mode. Says it all really.