Unless you have a new PC with a 12th Generation or later Intel CPU, there's no real reason to change. Windows 11 has changes to the kernel that allow the OS to make better use of certain features of these chips*, but on older hardware it makes no difference.
(* unlike earlier Intel CPUs, the 12th and later generations have two distinct types of processor core on board, and thus, to best assign tasks to each CPU core, the OS needs to know about this; Windows 10 does not, Windows 11 does. AMD were supposed to be adopting a similar design, but it looks like it'll be another couple more years before it happens now.)
Windows 10 has updates for another three years, and then security support for a while longer. There's no hurry.
I do use 11, but I have a new Intel CPU in my main desktop, so it's worth it. I also coerced an older Surface Go (on which I'm typing this) to upgrade to 11 for the sake of having a conistent UI across the two computers I use. 11 looks a little prettier (it hasn't got that very austere angular look of Win10), and a more consistent UI (changing settings doesn't drop you down to the old Windows 7-style UI as often anymore) but there's not much different, really.