W10 is actually easier on the hardware than W7, but no one asked me that.
W10 is as secure as W11 as of today (despite the big uproar, most mobos have TPM activated). That will change whenever Microsoft stops supporting it, as of now officially the end of 2025. Unless you like figuring out where everything is now that it was moved around, there's no reason forcing you to upgrade. I use W10 on one computer and didn't upgrade, W11 on the other because it came with it and was less anoying to use than to switch to W10. And I DO find it annoying, but only in a mild, background way.
EDIT: You can expect features to be introduced mostly only on W11. I'm still waiting for one compelling enough to switch, though.