The hatter wrote:
Poor choice of words on my part, but upgrade or over, whatever, are not erase or initialize, and have more liabilities.
I don't agree that generally speaking, the new upgrade method has more liabilities than the supposedly 'cleaner' methods. Most users who opt for that don't really end up with a "clean" install anyway -- sure, they erase the volume, but then they migrate stuff from some backup somewhere, often including applications or user account files that may be "dirty" in some way. Some realize that migrating apps is potentially 'unclean' & avoid that but forget or don't know that user home folders can also contain such items in preference & application support files.
To me, the only real way and safe, after backup, is to initialize.
By initialize, I assume you mean doing a high level format of the drive to rewrite the partition scheme info as well as creating new volumes/partitions & their file system structures. (Users cannot do low level formatting of modern 'embedded servo' drives, even with vendor-supplied utilities.)
My feeling about this is it is like razing a building & erecting a new one because it might need a few repairs. Sure, there are a few problems severe enough to require "from the ground up" reformatting of the drive, but they are rare & you certainly would know you had them because your Mac would either not boot at all or display hard to miss problems like lots of beach balls, crashes, or even kernel panics.
If your drive can pass the "Verify Disk" check (which, by the way, the new installer does automatically for any volume chosen for the installation), the chances that you really need to reformat the drive are essentially zero.