so why should you care ?
Because I'm doing my bit for the community here and trying to stop you lot feeding yourselves to the lions.
The fact is :
(a) The software developers will take April 2014 as an opportunity to tidy up their code, remove old APIs and stop supporting XP. So you'll be stuck in a time warp as far as your software goes anyway.... so not only are you running an obsolete OS, but you're also running obsolete software.
(b) Those who craft zero-day vulnerabilities will be aware that there are "thousands of others" who are equally lazy and complacent. For all you know they may already be holding back on releasing some vulnerabilities. Without a patched OS you'll be up !!!!! creek without a paddle because Antivirus on an unpatched OS is about as much use as a pig in a kosher butchers.
Seriously, you've had enough time to move away from XP. Its nothing to do with Microsoft wanting to sell you something, its about the fundamentals of software development.... you can't support everything forever.