I've been through a similar decision myself, and upgrading from an older version of Windows 10 can bring a range of benefits. Subsequent updates often include security enhancements, improved performance, and new features that can enhance your experience. For example, later versions have introduced improved virtual desktops, a more integrated Microsoft Edge browser, and enhanced security tools.
Regarding compatibility, while most software should continue to work smoothly, it's always wise to check if any of your key applications have known issues with newer updates. As for bugs, while they can occasionally appear, Microsoft typically addresses these promptly with patches.
If you're concerned about stability, you might wait a bit and monitor feedback from others who have updated, ensuring any major issues are ironed out. Regularly backing up your data is a good practice before undertaking any significant update.
Overall, staying up-to-date can be beneficial in terms of security and features, but it's important to weigh that against compatibility with your essential software. If you're interested in the specifics of new features, Microsoft's official documentation can provide detailed insights.