"Additionally, WinXP is unsupported "
That is worrying.. a lot of XP machines are in use in UK and there are security updates issued almost every week via Update. Even my fastest machine only has 1GB RAM, some friends run XP with 256M RAM, the motherboards won't support much more and obtaining 512 sticks of (say) PC100 memory is quite difficult - and so expensive that it's hardly worth upgrading on old (say 700MHz) machine.
The scale of the internet fraud problem is made clear on www.bobbear.co.uk - originally based in UK but now in the USA but no longer being updated? http://www.bobbear.co.uk