1) You do NOT have to upgrade Sonar X3 to move to Windows 10. It runs just fine.
2) You WILL likely have to update your audio interface drivers to a newer version that IS compatible with Windows 10. Go to the web site for the audio interface manufacturer, and check their driver support page(s) to see if they indeed have created drivers for your exact model of audio interface for Windows 10. If they have not done this, then you will need to consider either remaining on Windows 7, 8.0, or 8.1, OR purchasing a new audio interface where the manufacturer HAS created drivers for running on Windows 10.
3) Your 64-bit plugins will most likely run on Windows 10, and I have not myself seen any reports of any of the more popular ones failing to run on Windows 10. I don't know anything whatsoever as to whether or not 32-bit 3rd-party plugins run in a 64-bit Windows 10 environment. I, and many others, have either completely or nearly completely moved to running 64-bit plugins altogether, as bridging 32-bit plugins has caused so many folks so many problems that most seem to have completed the move to 64-bit plugins, with perhaps a handful that seem to run OK when bridged to a 64-bit Sonar.
I will be converting my primary DAW from Windows 8.1 to Windows 10 sometime early next week, as an upgrade in place. I will be creating a disc image of my C: drive prior to that, in case things go South. the only things that live on that drive are Windows, my applications, and associated AppData and ProgramData. All user libraries and things like Cakewalk Content, Projects, and sample libraries live on separate hard drives 'Data Drives', so those are unaffected by my upgrading to Windows 10.
Should an upgrade in place fail to run smoothly, I will have completed enough of the process to where Microsoft will have the requisite authorization key registered in their system, and I will then likely combine doing a clean install of Windows 10 with my upgrading my motherboard to something more robust than what I currently have.
Just do your homework, and have a plan for both completing an upgrade, and for recovering from one if it fails, as well as being prepared to have to do a clean install of Windows 10 and all applications, should the upgrade in place not work properly. With proper backups and plans for installation and recovery, you should have all bases covered, provided you made sure there are indeed device drivers available for whatever audio interface you plan to use with Windows 10.
Bob Bone