based on what you say and use it for, seams you would be wasting a lot of money. Xp will be around for quite a few more years before they stop supporting it. If you are happy where you are at, dont do it.
Why should I switch to Vista?
I have no problems with XP. (It was an improvement over 98 for me, only from the standpoint of less fequent needs to re-boot.) I have little need to purchase new software, but I do update the old stuff and purchase Turbo Tax yearly along with the freebe version of Quicken. I "own" Quickbooks 2001, use it for bookkeeping only (I use Medlin for Payroll), and have no need need to upgrade.
So, I'm just your average/below avg user that does little surfing, but depends on my computer for business amd personal financial assistance.
Considering that I would need to upgrade to a new version of Quickbooks and, that I would have to download a number of "new" drivers and software so that my existing hardware/software would be Vista compatable, why should I upgrade to Vista?