There's no good reasons for or against the upgrade right now. A specific reason would be that the free offer is about to expire, and that's a ways off.
You've offered no additional information like what hardware and accessories you have, or what exactly you use the computer for (like listing every installed program that's used regularly) so there's no way to be any more specific and try to be accurate.
When (If) you do upgrade, thorough data backup, install as an upgrade to Win 7, ensure its licensed successfully, and then either run with it, or go a step further and do a fresh install of Win 10, and then enjoy.
I've been using it for a few months now. I went from 7 to 8.1 and now Win 10. It was a little rocky in the beginning with nvidia driver issues, but I think that was more a hardware issue and an unforgiving driver than solely a Win 10 issue. On the surface, there's an obvious change, Task Manager is great, but under the hood, I can't tell any difference, so I'm content.