I stuck with 7 for an extremely long time under similar reasoning. Like I missed win 8 completely and only got 10 in maybe 2018. And only because I needed a version of directX for work that was unsupported on 7.
I only upgraded to 10 in early 2021, and only because I had reached a point where I didn't see another option. My next upgrade is increasingly likely to be something Linux. Every new bit of info about Win 11 just makes me want it less.