Just one opinion, mine. Just offering food for thought.
W10 came out in 2015. W11 in 2021. Whatever one thinks of the different versions, or Microsoft itself, it is the boat we are all sailing on. If a device being used for important things cannot run W11, or has not been updated to W11, I would not want my personal data on it. Not having the latest in built in security in the latest OS is one factor. Another is knowing the person using the device is not keeping current is another factor. I am likely an outlier because I ask, but it is how I feel.
I am not fond of changing OS on an existing machine. Instead, I get a new device with the new OS installed (and known to work with the new OS). I did have once where I installed W11 on an existing device, and it was not an issue as the device was only a few years old.
Currently, I have a newer ZenBook dual monitor portable, which is my daily. I also have a surface pro with ARM which I really like for the power and heat savings. It will likely become my daily sometime soon. Even if a network is used, I am a big fan of portables for their enhanced power safety, overall safety (can be put in a safe), and portability. I quit PC gaming decades ago, the only reason these days someone might need a box over a portable, as gaming graphics are best, for a little longer, on a box.
One can also likely argue, quite well, using W10 for tax returns violates the rules about keeping data secure, since W10 was retired last month, unless maybe one is paying for extended support (which makes no sense to me to do, compared to using something current).