For your average Joe, like myself and, from the above description, yourself, you will notice no disruption to your activities.Anyone suggest going up to 10?
...and it not being painful?
... what I need it for -
(keeping an eye on emails, browsing, some storing, not much uploading or downloading, hooked up to a printer/scanner 'an that)
It's one of those things, isn't it? You know you're going to have to do it sometime or other, might as well leave it until you have to. It really makes no difference whatsoever whether it is what you now have, or if it is a new machine - either way it will be loaded with 10 eventually. The rub is, do you need a new machine or not?
I had Windows 10 installed on this thing by the inestimable @wmrcomputers as part and parcel of him also generally sorting out my shizz, so i would definitely recommend just handing what you currently have over to him to get it all sorted and see how it all goes.
He's a proper good sort, so will be better able to advise whether the splashing of cash on a new machine will be better than just making your old one as new.
Honestly, this is good advice.