I think the biggest issue is that these manufacturers are providing home and not pro. There are certainly issues with 10 that need to be dealt with like security stopping writing to program files. I used to write ini files there but now use app data. Otherwise I don't think there is much in 10 to be afraid of. And VFP runs fine on it except for the look. VFP windows look a bit old in the dev. Al
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Most business users that I deal with are\were happy on Windows 7 and skipped 8 completely. Any small operations with external IT that are replacing equipment are happily going for Windows 10 now, as that's what is being pushed by Dell etc. Any big operation with an internal IT dept (ourselves included) seem to be largely hanging on Windows 7 because they can dictate via volume licencing what gets installed, and it's a known quantity.