what's wrong with xp? it's way better then vista, 7, 8, 8.1 put together, i been using xp for like 11 years now and i don't plan on upgrading anytime soon. it sounds like your a normal user so i would recommend staying with what you have.
side note : knight, why is it that everybody thinks everybody has to upgrade their computer? not a smart move in this case.
anyways, back to the original poster, your just fine, i see no need for you to upgrade, xp is very good.