I have to disagree, there's been too many security patches released to protect windows since MS dropped windows 7 that you're playing with fire even when you behave responsible.
Why using Windows 7 in 2021 is so dangerous
I have to disagree with your disagreement.
That article didn't offer any insight as to why it is "so dangerous", or extremely dangerous...
From the article:
"This is extremely dangerous. Not only is Microsoft not releasing any more software updates for Windows 7, it’s also not patching any security issues or providing any tech support. For the vast majority of people, this simply isn’t a risk worth taking."
I get it. Recommending upgrading to the latest version of a supported OS is the safe call.
However, the dangers of NOT upgrading are overstated and hyperbolic. For any computer that will be connected to the internet, the greatest level of protection comes from a person using common sense and safe computing practices.
There are people running on the latest version of Windows 10 with the latest and greatest fixes and security updates that have succumbed to ransomware.
Do people actually read the details of what the security holes are? They are almost exclusively about some esoteric set of conditions that 99.2% of general home users won't encounter.
Back when Windows 7 was initially released, the tech industry try to instill fear in the Win XP hold-outs by claiming that a Win XP system could be infected with a virus within 30 seconds of connecting to the internet. That was only true under very specific (and contrived) conditions. With the typical modems, routers, and firewalls that are in use by consumers, it is even less true now.
I still have Windows XP and Windows 7 systems running and connected to the internet. No viruses, no malware, no ransomware.
To the OP, if you practice common sense and safe computing practices, the only reason to move on from Windows 7 is if you are unable to run the software that you need. That will most likely be your web browser.