Meanwhile, many small businesses are put off by the hefty cost of upgrading or just aren't focused on their IT needs. Although a consumer can buy an entry-level PC for a few hundred dollars, a computer powerful enough for business use may run $1,000 or more after adding the necessary software.
Barry Maher, a salesperson trainer and motivational speaker based in Corona, Calif., says his IT consultant warned him about the end of XP support last year. But he was so busy with other things that he didn't start actively looking for a new computer until a few weeks ago.
"This probably hasn't been as high a priority as it should have been," he says.
He got his current PC just before Microsoft released Vista in 2007. He never bought another PC because, "As long as the machine is doing what I want it to do, and running the software I need to run, I would never change it."
Mark McCreary, a Philadelphia-based attorney with the firm Fox Rothschild LLP, says small businesses could be among the most effected by the end of support, because they don't have the same kinds of firewalls and in-house IT departments that larger companies possess. And if they don't upgrade and something bad happens, they could face lawsuits from customers.
But he says he doesn't expect the wide-spread malware attacks and disasters that others are predicting - at least for a while.
"It's not that you blow it off and wait another seven years, but it's not like everything is going to explode on April 8 either," he says.
McCreary points to Microsoft's plans to keep providing malware-related updates for well over a year, adding that he doubts hackers are actually saving up their malware attacks for the day support ends.
But Sam Glines, CEO of Norse, a threat-detection firm with major offices in St. Louis and Silicon Valley, disagrees. He believes hackers have been watching potential targets for some time now.
"There's a gearing up on the part of the dark side to take advantage of this end of support," Glines says.
He worries most about doctors like his father and others the health care industry, who may be very smart people, but just aren't focused on technology. He notes that health care-related information is 10 to 20 times more valuable on the black market than financial information, because it can be used to create fraudulent medical claims and illegally obtain prescription drugs, making doctor's offices tempting targets.
Meanwhile, without updates from Microsoft, regular people who currently use XP at home need to be extra careful.
Mike Eldridge, 39, of Spring Lake, Mich., says that since his computer is currently on its last legs, he's going to cross his fingers and hope for the best until it finally dies.
"I am worried about security threats, but I'd rather have my identity stolen than put up with Windows 8," he says.
