Thanks for your informative suggestion.Windows 11 is basically a Win10 core with updates shell (icons, etc), other than cosmetic and some menu changes, haven't noticed any compatibility or significant bugs.
It does have a TPM2 requirement, which a lot of existing hardware doesn't contain or provide... thus not updatable to Win11.
Does your system under Setting / Update, indicate your system meets minimal requirements for Win11? Many older hardware does not.
As far as hardware, personal opinion... an i3 and unspecified RAM & GPU would likely be subpar in performance & satisfaction. The 120GB SSD is minimal for Win10 & Win11 but also the easiest to upgrade.
If your system is meeting your needs, I'd stay with current setup.
As with many MS OS, the initial releases aren't that stable in all hardware.I just purchased a Dell with Windows 11 and don't like Win 11 so far. It has crashed on me twice. I do love the SSD drive for its speed, but I have heard long term reliability it questionable with the SSD drives. I keep most of my data on a cloud and I have a 2TB external HD for backups. I also use Office 365 and it won't allow me to place the various 365 shortcuts on the desktop. I'm considering doing a refresh and installing Win10.