There's always eBay for a cheap laptop (from a reputable seller) - plenty running Win7. I love the moaning - you've had plenty of notice to put aside a dollar/pound/euro or three a week to cover costs.
Do any of you refuseniks take out insurance on your houses or cars on the off chance they burn down or get nicked? Same deal goes with running an up to date operating system. Sure, take your chances & you'll probably get away with it. The problem comes when you do get caught out. Fancy losing the contents of your bank account? Or having your credit card compromised?
Vista support ends April 2017:
Windows lifecycle fact sheet - Microsoft Windows Help