Yes, I agree with many of your points.
I am only concerned with professional environments in medium-sized companies. Functioning IT is required. Every day. And I am not talking about security updates.
I'm talking about operating systems. If it is possible to install a new operating system with a click, some users will do it. And when individual programs or functions in programs no longer work, there is a lot of crying. Solutions are not always possible in a short time.
Therefore, a standard user should not be allowed to install a new operating system. But since Monterey, this can no longer be prevented. Not even with profiles - as far as I know so far. But I am working on a solution ...
The only issue is with those people who manage the computer of someone else. That someone else can now upgrade their computer. But in those relationships, there are other ways to manage behaviour.
What would those options be?