Should I just keep Windows 10 for now?
That's what I'm doing, but you should make your own determination of what makes the most sense for you.
I figure the time will come when we are all forced to either migrate to Win11, or face the risks of our Win10 machines going out of support, i.e. no more security updates. That's what I did with Win7 -- relegated it to non-internet service, supporting my older applications that didn't like Win10.