security should not be about convenience. also why should it be inconvenient if i use a laptop only for my financial stuff? you can use your really good hardware to do everything else. no slowdowns. also why would a new laptop be slow? you can buy a new one that is surly fast enough for your financial need for under $300 and since you have really good hardware, i am sure you can afford that. using a VM would slow you down and one might consider it inconvenient, but this is just an opinion i guess. security wise i take linux over windows with some AV and other stuff every day. it improves you security a lot and is for basic need very easy to use.