Uhm,how they make money with security updates when u get them for free? I dont get ur poin,sorry.Said who? MS? sure they want you to believe that it's a high risk and very DANGEROUS not to update, do you know why?
Money. if you won't be afraid you won't buy. I know many XP users that want to stay with XP but have a fear that its dangerous when it's not that bad.
I worked on an IT for a year and you won't believe how many problem updates can do. and it slow the pc when installing. I uselessly update once when install and done for at least a year