Having baby teeth with no permanent teeth below them is fairly common. I too would tell you not to worry about them until they get loose and fall out on their own accord. Each one will have a different life span. Continue to brush and floss your teeth on a daily basis, getting regular checkups every six months or so. I have known of individuals who have your situation and have held on to their baby teeth until their late 50s or early 60s. Only when they fall out consider a bridge or an implant. An implant is not a "horrific procedure", and often is the best way to go when the time comes.
Regarding your two baby teeth, if I was you I wouldn't worry about it until they actually do fall out, and who knows, they may never fall out. There's an old saying.....if it ain't broke, don't fix it. IF and when they decide to come out on their own, which may not be for another 10 or even 20 years by the dentist's own admission, deal with it then. My advice is don't mess with them now if they're causing you no problem at all. Teeth are weird.......those baby ones may last your whole life if they've lasted this long. Also remember that whenever you look up things on the internet, such as implants, things can sound and look a LOT worse than they really are. I work with a guy who had two implants just last year and he said it's the best thing he ever did. And trust me, he's a 35 year old in a 2 year old's body ! :-)