Thanks for your reply.
I got the blue screen after trying the simple upgrade option, so I progressed to the A&I option (with "Preserve user and network settings" option checked).
At the other end of the A&I, I have the new system installed with all applications, but none of the preferences, documents, pictures, or contents of other folders came out the other end.
Luckily, I do have a backup.
Where would I find the things like Safari bookmark list?
Nice day here in VT.