I'm currently running Vista. Maybe I should run Vista until I can afford a new machine or an upgrade?
As has been stated by RND it appears you have your answer, what more is there?.....
I mean if your question to us was what version of Windows would we personally run? Get ready for differing answers which likely won't help in your situation.
If the question was which version would we recommend you run in your situation.......well again the answers likely won't be as 'helpful' or specific to your situation as your own answer above; seeing as you have already drawn comparisons keeping your own personal situation/limitations in mind. I doubt any one of us could give you better 'info' for making a decision than you already have done for yourself.
I'm sure you don't really need your hand held on this one kona, but just in case you do..........I concur with your assessment of your situation in the OP!