And that's completely fine. I would advise on a cut-off date of around Oct 15. 2025. Your OS won't receive any security updates after that and having it connected to internet at that point is going to be a major risk.
You have more than a year to prepare, though. Use it wisely. :)
I personally think the risk of not receiving updates is pretty overstated. I'm more concerned with when applications stop supporting it - which normally happens because libraries stop supporting it.
Well. When the OS stops receiving updates there's a whole lot of stuff that stops receiving updates (much of which is the libraries that are being updated with the OS).
Using Windows 10 past the cut-off date is perfectly possible but more and more of the security of your device (and, as it'll be connected to the internet, all other unpatched devices) will be on you, rather than a large company (or a collective of really smart people).