Originally Posted By: Sierra048
My desktop has Windows Vista. Would I have to buy Windows 7 first in order to upgrade to Windows 10 for my desktop?
Yes, to do it right, this is how you'd have to do it. You could buy a Windows 7 upgrade license, upgrade to 7, then do the free upgrade to 10. There are other methods, but they're often not legal.
Originally Posted By: Sierra048
And by wiping the drive before a Windows 10 download, would you be deleting all of your files and programs? If so, I would have to back up my files first?
There are two potential ways to do this.
(1) In-place upgrade. This is where you let Windows 10 upgrade your installation of Windows 7 (or 8.1 for your laptop). All of your programs and files remain on the computer. But all of the "bloat" and temporary files and other system files that get used and abused over the years remain as well. This is the easiest way to upgrade in the short term, but can have long term effects.
(2) Fresh install. This is where you format your hard drive (or let Windows do it) and install Windows 10 on a clean hard drive. None of your programs or files would remain. But none of the other junk does, either, like the Symantec System Resource Hog 1-year trial type programs you probably never use. Your personal files are (hopefully) easy to back up. If you keep them all in your My Documents folder or some other data folder, this should be easy. You'll need an external hard drive or large SD card or USB stick, etc...you need some place to put those files temporarily until Windows 10 is up and running. Then, when it is, you'd copy your files back over. You'll have to re-install your programs (like Office, Chrome, Firefox, TurboTax, etc). This is more difficult than (1) above, but it usually is the best way forward for long term satisfaction.
Now...all that said, Where are most of your personal files? Are they on your laptop? Or on your desktop? Or on a cloud service (like Google Drive or Dropbox, etc)? The more consolidated you keep your personal files, in terms of how and where they're stored on the computer, the easier method (2) above is to do. If they're scattered across your hard drive in 15 different locations, it may be tedious to find them all. But if they're all in a data folder or the My Documents folder, it shouldn't take too long to back them up.