It gets even worse: think of how many known remotely exploitable security holes there are in your outdated OS. Hope nobody tries to exploit any of them...
At least you don't have a Cliq XT: that comes with Android 1.5. The phone was first introduced in Mar 2010 (when 2.1 was current), with a promised upgrade to 2.1 in "2Q 2010". Fast forward to Feb 2011: Motorola says "Just kidding haha we couldn't make 2.1 work, it's stuck on 1.5 forever". And BTW, this phone is *still being sold today* (still with android 1.5)! It's utterly insane.