.... has zero consequence for most computer users. XP updates are not really needed at this point. It has been updated forever and if you are running a decent firewall program (and you should be) then you will be fine.
XP was the first widely used stable Microsoft OS out there. It was a quantum leap from its predecessors. But time moves on, and Windows 7 and 8 are current now and 7 at least is a really solid improvement over XP. 8 has issues as MS is busy trying to play its old games and use its leverage to force folks into its game plan. It's not working because nothing will make MS a real player in the phone market now, their lack of vision finally caught up with them.
If you have an XP machine don't worry, it will continue to work for the vast majority of your needs. When it finally doesn't, break down and get a new machine 
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