There's no point in putting it off, unless your machine can't handle Windows 10 for some reason.
Every time there's an update to Windows, people drag their feet and swear they'll stick with the old version. I remember people not wanting to upgrade 3.1 to 95. And yeah, you get to keep your favorite OS for a bit, but after a while you'll find that you don't have driver support anymore, and programs will require features your version of Windows doesn't have.
I'd suggest you back your shit up and go ahead. If all your stuff still works, find out how to disable the privacy invading crapware and keep it. If not, format and go back to 7.
But what do I know, I ditched Windows in '97.>>503455
That advice is a good way to make someone hate Linux. Going from a binary-only "user friendly" <cough> system to a source-based "hope you read the manual" system has an effect on your brain that is somewhat like putting your car in reverse when you're going 80mph on the Interstate. A tiny fraction of people will like it; everyone else will give up before they even get it working and judge Linux in general based on the experience.