I agree upgrading is always a good move with windows, even if in the short term there are changes you dont like they either get refined in due course or we find ways around them .. The most important thing is security of windows, if you get left behind one day its inevitable something will compromise an old bug and you end up having to get a new OS and/or machine anyway. So holding off is sort of shooting yourself in the foot.
These days Microsoft seem to be a bit lax or dont care about fixing some zero day exploits etcetera, but do get round to them eventually. So take what you can from them.
Also memory management and technical advancements are not obvious just looking at a desktop, but over the years they are happening in the background, so its not just about rounded corners on windows
As much as I hate Microsofts monopoly and some of the decisions they make, I would only ever hold back on upgrading for a few months.
I'm still salivating at the trap gates to completely change over to Linux, I just need to be completely happy the games I like are not a problem, when that day comes I will drop windows like a sack of bricks.
@Linux enthusiasts : I know of all the more recent advancements with Proton etcetera, but when I see someone online saying "Oh yes under x distro to fix that problem with NVidia xxxx then run this batch of commands" .. See then you get an OS update which finds something unexpected and you have to re-install everything to be sure you havent messed up something technical in Linux. I dont want to be there again, I have experienced similar before when I was dual booting UBuntu and Win 7.