Leopard no longer gets updated and I believe Microsoft will stop supporting XP this year. Yes they're both obsolete. Especially XP, that **** came out in 2001 for crying out loud.
Age has little to do in determining if something is obsolete or not, if Leopard and XP still do the tasks that you want them to do then its not obsolete.
XP came out in 2001. 12 years ago. It's most definitely obsolete.
Look at this phone from 2001 and compare it to the iPhone 5/Galaxy 3. Shows you how far technology has come in the past 12 years. XP is built on the same technologies as this phone. So yeah, it's definitely obsolete.
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Leopard? Not as obsolete considering it was released in 2007 and is literally half as old as XP. But nearly all the machines that run Leopard can run Snow Leopard, so I don't see why anyone would still run 10.5 over 10.6.

Someone told me a few months ago that they were still running OS X Tiger on their Intel machine. Like someone else said, sometimes you don't have a choice. I thought they were crazy, but then they said that it's mainly because they use software and plugins that weren't supported for Leopard or later and that it was going to cost them an arm and a leg to reinvest in everything and find new tools.
XP is still used widely in the corporate world. For personal use, I'll say yes it's time to move on.
Leopard is the max OS for PowerPC, and there are still a lot of those machines out there.
Not everyone has a choice.