Leave it a while ..............
TBH, as yet I have not heard anything bad about Win 11, with most users saying it is just a slightly advanced Win 10.
I normally leave an OS to run for 12 months before I upgrade, and by this time most bugs will have been ironed out.
With regard to Word, excel etc, I am still running office 2010, which works just fine for me and Adobe acrobat XI pro ............ these cost me nothing.
I have just built a PC for the youngest Grandson (13) using an intel i5, 1TB SSD, and Nvidia graphics, but I still opted to run with win10 as it is a known entity, and you can buy a key cheap as chips.