Concerns about updating from macOS Big Sur
I have a 2019 iMac Retina 4K 36GHz 6-core Intel Core i5 with 16GB memory and have concerns about updating to Monterey or Ventura because 1) Big Sur has been working perfectly for me and is still supported by Apple, and 2) my iMac has an Intel chip not an M1. From what I have heard and read, it is best to stick with Big Sur as long as I can.
Is there a compelling reason to update to Monterey or Ventura sooner rather than later? I should add that I use my iMac for internet surfing, online banking and shopping, email, photo albums, and word processing.
I greatly appreciate any thoughts or advice.
iMac 21.5″