On my Windows 10 Pro 2018 desktop PC I've just received a new "notification":-

Restart to stay up to date
Your version of Windows 10 is nearing the end of service. Restart and install the most recent version of Windows.

What is it, do I want, do I need it, do I have to have it, will it muck up all my personalised settings/programs?????

Sounds a bit like they're following TomTom by changing things because they've nothing better to do during lock-down to me! I know; sarcastic as ever

googling found these:-

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which is all Double-Dutch to me (no offence Aad)

biggerdave Reviewed by biggerdave on 1st July 2020. New Windows 10 version?? On my Windows 10 Pro 2018 desktop PC I've just received a new "notification":- Restart to stay up to date Your version of Windows 10 is nearing the end of service. Restart and install the most recent version of Windows. What is it, do I want, do I need it, do I have to have it, will it muck up all my personalised settings/programs????? Sounds a bit like they're following TomTom by changing things because they've nothing better to do during lock-down to me! I know; sarcastic as Rating: 5

Thanks Aad, if/as/when I do this and it mucks things up remember I know where you live!!

You can trust it.
Microsoft provides a full update every half year.
You have probably version 1803 (2018 month 3) that will go out of service.
Newer versions are 1809, 1903, 1909 and now 2004.
I think you missed already three updates.

The update will not mesh up your personalised settings/programs
It will take a long time and a hugh download.

I advice you to do it.

regards
Peter

I think

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Thanks Peter, I'm sure there's nothing to worry about & I've probably automatically let it update before without thinking about it but I guess I just have too much "worry time"at the moment so will go with it when I can leave it running unattended for a few hours if that's the sort of time frame involved.
thanks again

All done with no dramas (about 1-1.5 hrs total) but now just need to try to get my more subdued wallpaper colour/less-brightness back again. Oh well, another job for the morning I guess!!

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Not exactly as before but the colour/contrast are certainly good enough now so another drama over!!