It'll keep working but will be unsupported, so no more security patches. Continuing to use any unsupported operating system on-line is not smart as once a new vulnerability is discovered you're forever vulnerable. Avoiding the seedier side of the Web won't help either - reputable websites source ads from third parties and hacking ad servers is a favoured way of delivering exploits.
Not to mention third party software support slowly ceasing - your anit-virus will work for a while but after a year or two will quite likely no longer receive updates.