Earlier quoted context omitted.
You do you, but the relentless flow of horror stories didn't stop me from upgrading and it was flawless for me. I'd recommend reading these critical pieces and seeing whether any of it actually applies to you.
Very difficult to know if it is going to apply to one's own system. With updates apparently sometimes crashing after being only partially applied, even the most diligent research into application-specific "will I be able to run XYZ after upgrading" might not be able to save you from having to reinstall from scratch. This is the kind of low-quality handling of software updates that I never imagined coming from Apple.…
I have the idea that there's currently an atmosphere where it's fashionable to repeat other people's bad experiences. Regardless of one's own experience.