The terms upgrade, update, refresh are loosely applied. Conversation becomes cloudy when the basic terminology is not agreed upon.
I'm at a similar point in time as OP. M$ will not let me update my 2014 Dell XPS to the new OS. Yes, I know the reasons to push that. But I'm not a follower. I refreshed the machine a few years ago, and the performance is all that I need.
So I am giving serious thought to dual-install Linux on my hardware. Some will continue to criticize decisions like that. "A new machine is better, more reliable, and so on." I place great value on this machine, because it is paid for and does EVERYTHING I require. I don't really intend to debate on that point.
A 2nd option is to buy a worthy notebook that I'll use with Linux. So, interactions that require the best security around will be done on that machine. Win 10 will standby for occasional use when I can't carry out a task on the Linux buddy.