Keep is simple. For most, do not install a new OS, update to a new computer with the new OS preinstalled. Even without a new OS, upgrading computers at least every 5 years is a solid plan. We, here, are talking about computers used to generate income, so remaining reasonably current is a normal and expected cost of doing business.
If the above is objectionable, then make sure, whatever your preferred method, to always use an OS still supported by the maker. W8 is good through Jan 2023, W10 through Oct 2025. Those with the requirement to guard information of others likely have a legal obligation to do so.
As for W11, if your computer cannot pass the upgrade requirements, it likely is not as current of a model as you believed. I have a surface pro 6 which passes, and an HP all in one, several years old, and it updated to W11 with zero issues.