Did you try this link, to doublecheck whether you have to upgrade? https://tlstest.paypal.com/ Some browsers, even with XP, have the upgrade capability... If you get an 'ok' message, you're fine. (Or you mentioned you have Google Chrome, so perhaps just use that.) They just scared everyone by putting that message across the top of everyone's screen, regardless what computer/browser they're using. Mine is going to be fine (Win7, IE11).
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