I am all about the best tool for the job, and I think it depends on your needs. As George mentions, a Chromebook is one option, if it suits your usage. No sense buying more than you need, and some Chromebooks are very powerful. I have a MacBook Pro and and a MacBook Air I use for various reasons, some more complex than others. At work I have a Windows 10 desktop I use all day long. Each machine has pros and cons.
The upgrade to Win 10 nowadays is less problematic than it used to be, as those early upgrade issues have been tweaked out of the process. If your equipment is older, it may need a hardware boost to be able to properly handle the things Win 10 may throw at it. It doesn't make a lot of sense to have an upgraded operating system limping along on equipment that barely supports it. By the time you upgrade the components that need it, you may be money ahead to replace the entire computer.
I never drank the Apple KoolAid, so am not a snob about it. But I like the Mac laptops I have - easy, efficient, intuitive - they're fully functional for my home use, and they integrate well with my iPhone. (I carry an Android tablet when traveling, much cheaper than an iPad, and more easily replaced if something happens to it.) I opted to install Office 365 for Mac on my Apple gear, so I have full access to things like Word, Excel, and Outlook from home. That works quite well.
If you decide on an equipment upgrade, shop around. (Costco.com is a good place to start, to give you ideas to work from.) A lot of desktop Win 10 PCs are being targeted toward gamers and those who need huge power in their systems. Average users don't need that. Ram is critical with Win 10, but you don't have to have a major video card unless you're doing high end graphics work.
If you opt for a Mac, you can research things at a local Apple store to try it hands-on, but do yourself a HUGE favor. Before you buy anything, (once you understand the right words to use to understand the Mac hardware), visit the Apple Refurbished store. They take returns through a massive factory-refresh process, repairing and replacing anything worn, and then they sell essentially new, off-the-shelf, certified systems for a huge savings over the full retail. The inventory changes all the time, so it's worth keeping an eye on things, and pulling the trigger when you find the right system.
https://www.apple.com/shop/refurbished
I hope this is helpful. No specific answer, but some food for thought.
Good luck!
Dave
