Concept:
A quadratic equation
\[
ax^2+bx+c=0
\]
has real roots if and only if its discriminant is non-negative.
The discriminant is:
\[
D=b^2-4ac
\]
For the equation
\[
x^2+bx+c=0,
\]
we have:
\[
a=1
\]
Hence,
\[
D=b^2-4c
\]
The equation will have real roots whenever:
\[
b^2-4c \geq 0
\]
That is,
\[
b^2 \geq 4c
\]
We now count all possible ordered pairs \( (b,c) \) satisfying this condition.
Step 1: Find total number of possible selections.
Since both \( b \) and \( c \) are selected from:
\[
\{1,2,3,\ldots,10\}
\]
with replacement,
Number of choices for \( b = 10 \)
Number of choices for \( c = 10 \)
Therefore,
\[
\text{Total outcomes}=10\times10=100
\]
Step 2: Apply the condition \( b^2 \geq 4c \).
We evaluate possible values of \( c \) for each value of \( b \).
\[
\begin{array}{|c|c|c|}
\hline
b & b^2 & c \text{ satisfying } c\le \frac{b^2}{4} \\
\hline
1 & 1 & 0 \\
2 & 4 & 1 \\
3 & 9 & 2 \\
4 & 16 & 4 \\
5 & 25 & 6 \\
6 & 36 & 9 \\
7 & 49 & 10 \\
8 & 64 & 10 \\
9 & 81 & 10 \\
10 & 100 & 10 \\
\hline
\end{array}
\]
Now count total favorable cases:
\[
0+1+2+4+6+9+10+10+10+10
\]
\[
=62
\]
Step 3: Compute the probability.
\[
P(\text{real roots})
=
\frac{\text{Favorable outcomes}}{\text{Total outcomes}}
\]
\[
=
\frac{62}{100}
\]
\[
=0.62
\]
Thus,
\[
\boxed{0.62}
\]
Hence the correct option is:
\[
\boxed{(D)}
\]