"... rite now i can not up load my memory card at all ..."
If this is your only reason, all you need do it get a card reader. They are cheap and work as well or better than the software.
You can then use Win 8.1 do all your processing or buy Photoshop Elements and really do it.
However, far from me to discourage a new camera buy!
The T5 has gobs of new things it will do over an XT.