@Septembersrain, for me it is a “no.” For the better part of several decades, I updated the OS on every device I had pretty much as soon as it was available to do so. Over the last 2-3 years, I’ve taken a very different stance toward updates. My default case now is to do as you do: generally leave it alone. I do implement all security updates and dot releases primarily for malware prevention, especially on my iMac with Mojave. But the wholesale update from say, iOS 13.7 to iOS 14-something? Or Mojave to Catalina? Not so much. This approach has been validated for my use cases by having avoided the battery issues of early iOS 14 releases, and the initial horrorshows reported for early Catalina releases.
So here is my upgrade decision matrix:
1- does the update add features I need or want? If not, pass. If so, see what the fora are reporting, then maybe update.
2- does the update take away features I need or want? If so, and security remains uncompromised, then pass.
For example: in the case of Mojave to Catalina, the main new feature widely used seems to be Sidebar, Sidestep, Sidecar, Sideswipe, Sideways, whatever it is called. While cool, I have absolutely no desire for this whatsoever, so pass. Also, Catalina’s new iTunes implementation deletes, at least for some, all album art in the new music app. So again, pass. Just no need for Catalina. Even without these negatives, I’ve just seen no compelling reason to leave Mojave for my iMac usage. With Big Sur(prise) coming soon, I’m guessing the analysis will likely be the same: some new things I won’t need or care about, and some old things taken away that I do care about. Similarly for iPhone’s iOS, and iPadOS.
Interesting to note for me anyway is the case of Apple TV OS or whatever it’s official name is. I have left this on auto updates and have seen little changes at all across my three generations of AppleTV devices with the one exception of adding AppleTV+ (the service, not the device) to the menu. Whatever’s happening in the background with the updates has not affected in one way or the other my user experiences on those devices. So for now, I’m leaving them in auto update mode. May regret later, but now all good.
By the way, my first Apple product was an Apple II+ in about 1981 so I’ve been a user for awhile.