Do you really need to dump XP?? It will continue to operate as well as it does on the day support is stopped. Those who write programs to exploit vulnerabilities, will be targetting W7/8/9(?) and no doubt forget XP exisits.
Oh what it is to be so naive !
(a) The dark side will be well aware there will be a whole generation of clinger-ons like you ... and they will take much enjoyment from "p3wn'ing" your system. XP users are a dream for them .... they know their exploits will never get patched, and there will be a reasonable number of XP clinger-ons ... as a result they can demand and get $$$ for their exploits on the black market.
(b) As well as XP specific exploits, they will also be looking at 7/8 exploits and backporting those to XP.
So no, they're not going to leave you alone and forget about it. Infact, I fully expect more rather than less XP exploits to become available, and that those XP exploits will be quite nasty !
Those businesses that continue to use XP, will probably do so, due to the difficulty in migrating their systems to newer platforms.
Please... DO NOT.... compare yourself as a home user to businesses.
For home users, there is only one option.... get rid of XP. There is no excuse.
The same goes for mom & pop small businesses..... get rid of XP. There is no excuse.
Large Businesses & Government have more options because they have a well financed IT department and the money to pay Microsoft for XP support (the NHS for example are about to write Microsoft a cheque for £40m to cover extended XP support.... for 12 months ). The cost and hassle of supporting obsolete systems is simply not worth it unless you have to.
However you will find that even large businesses & government are moving away from XP unless they absolutely need to stay.