Yes, Windows 7 will keep working.
You can keep using it, but it’s important to understand the risks involved.
One thing we’ve learned, though, from being here before, is that the risks may not be as horrific as some make them out to be.
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End of support?
You’re absolutely right. Windows 7 will keep working.
The only thing that happens when support ends (planned for January 14th, 2020 as of this writing1) — is that no further fixes will be made available, even for security-related issues.
In fact, security-related issues are the only fixes you’re getting now. Everything else ended back in 2015.
So whatever Windows 7 looks like next January is what it’ll be from then on. No changes, no fixes, no ‘nuthin.
Applications may still get updates
Just because Windows stops getting updates doesn’t mean that the applications you use will stop getting updates. That depends entirely on the application vendor and when they decide to stop supporting Windows 7.
Some may already have stopped. Others will stop in the future. You simply need to keep an eye on updates for the programs you care about.
Someday, those updates will stop as well. It’ll be up to you to decide if you care.
So, what’s the risk?
Good question. The “gloom and doom” scenario is that there’s an unpatched vulnerability that will be found, hackers will exploit it, and Microsoft won’t fix it.
The more pragmatic risk is that eventually, your other software will no longer be updated. You’ll have to figure out whether you can live with that, or find alternatives.
The other risk is that when your computer dies, you won’t be able to get Windows 7 for its replacement. Once again, you’ll be faced with a decision: move to the latest, most current version of Windows, or switch to something else entirely?
Mitigate the risks
Perhaps the most important step to keeping yourself safe is to make sure your anti-malware tools continue to work — including keeping themselves up-to-date. If your security software is no longer supported, then find an alternative immediately.
The hope is that Windows Security Essentials — which (as I understand it) shares its technology, if not its name, with Windows Defender on Windows 10 — will continue to be updated for some time. How long? No idea. You need to keep an eye on it.
The other very important step I recommend is my old standby: regular and complete backups. If something does go wrong, you’ll want to restore to a backup. This will also protect you to some extent when Microsoft eventually takes existing Windows 7 updates and activation offline, which will prevent you from reinstalling Windows 7 from scratch.2
We’ve been here before
If what we’re experiencing sounds hauntingly familiar, that’s because it is. This is exactly what happened with Windows XP some years ago.3
And in the light of many dire predictions of catastrophe and doom … nothing happened. There were no catastrophic malware outbreaks targeting Windows XP. There was no list of known vulnerabilities that hackers were keeping secret until they knew they wouldn’t be fixed.
Windows XP users were probably more impacted by the decreasing hardware and software support for the applications they cared about.
I expect Windows 7’s “death” to be very similar to that still underway for Windows XP — which a few folks continue to use to this day.
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References & Footnotes
2: I believe Windows XP is in this state right now.