I appreciate some customers will have Budget constraints, the risks though increase when no longer eligible for security updates. Granted some vulnerabilities are of a more minor nature but each patch addresses more severe risks.
If not upgrading at present time can improve safety by ensuring apps are up to date and be careful with the granted permissions. Ensure you only download Apps from the official stores ,additionally best to avoid public wifi.
I do not work for Samsung or make Samsung Products but provide independent advice and valuable contributions.