Well, in the almost 19 Years in the Apple Eco-System ( to compare longevities ) - anything that is worth protecting is not work any type of risk
IMHO - There has been sufficient advise offered for the User to make an informed and educated choice what the next course of action is required.
The suggestions have been put forth on a volunteer basis, in good faith and in the best interests of the computer.
Do you have a Rescue Plan In-Place. This comprises having 3 Backups using 2 methods and 1 Off Site incase of Theft, Loss or Natural Disasters. A Time Machine Backup is very useful and can be used to Revert to Previous Working macOS.
For addition purposes - two Tested Clones each to separate external drives. This is insurance incase the upgrades goes sideways. At least one Tested Clone and / or Time Machine Backup should be Off - Site
EDITED added information