Hmmm... "officially at EOL"? I'm not aware of MS using the term "EOL" in any official capacity for versions of Windows. End of Mainstream Support. End of Sales. End of Extended Support, sure. (And many people refer to any one of those as EOL unofficially.) But Microsoft themselves (again, as far as I know) does not use the term EOL for versions of Windows as you suggest they do. (It's certainly not used in their "Product lifecycle FAQ" that lists the various "end" dates for their Windows versions at any rate.) Google is not returning me any MS originated references either.
Do you have a link that shows an actual Microsoft usage of that term (EOL) in regards to Windows? As I mentioned, it's often used generally to refer to various milestones in the support life of Windows versions. For example, you can see it used all over the place (but not by MS) to describe Windows 7 when mainstream support was discontinued. Many have described Windows 7 as indeed, EOL, due to that lack of mainstream support.
To say that "no one decides when a product is EOL but the consumer" is kind of silly, BTW, and shows a misunderstanding of the term, vague as it often may be. End of Life doesn't mean a product can't be used by consumers, or that consumers have to agree to that condition. It refers (variously) to the manufacturer's selling, support and/or maintenance of the product.