You will definitely want to use a good AV when W-7 is EOL. Preferably a paid one. Many to choose from. You couls start now with a free version of one or more of them,. decide what you like, and upgrade to paid next January.
You can also try Linux. You may find you can use it for everything you use Windows for, or nearly everything. One strategy is to use Linux for all your internet work, and W-7 for anything offline that Linux doesn't do, or do well enough, for you. That way you don't have worry about Windows being a security risk.
you can dual boot Linux with Windows on separate hard drives, or separate partitions on the same drive. Or use a virtual system, with Linux being the host and Windows the guest. That way Windows is sandboxed inside Linux, and you can safely go on line with it. Or you can just continue using windows after EOL. I don't recommend that. Why take chances when there are so many out there who want to hurt you?