I'd be inclined to check the sources if you're doing searches using LLMs, they're getting better than they were when they were first rolled out, but they're not perfect..
As for the uncertainty, I don't think staying on Windows 10 immediately after EoL is going to be an issue, but it will be one in the longer-term. Both XP and 7 were OSes that were as popular and folks weren't keen on moving from, but both had major flaws discovered post-EoL to the point where Microsoft actually had to issue
emergency patches because they were that severe.
Now if a similar scenario hits Windows 10, I suspect Microsoft would be inclined to do the same, but at the same time, those exploits were patched *after* they'd either caused a major incident, or they could very well be about to. Bear in mind also that WIndows 11 is an evolution of Windows 10, any exploit found in Windows 11 that's patched will draw attention to Windows 10 and folks will likely try to see if that exploit exists there. And if it does, MS wouldn't have patched it there, which means you've got a known vulnerability.
Ultimately, I think assessing the risks and being mindful that while it likely won't be an immediate issue, sticking with Windows 10 in the longer term (say in a year or two) is not a good idea if you've not got access to some patches or support.