John, you're right about most situations. If you have multi-use computers (music + everything else) staying updated is a must, especially anti-virus. I try to keep all my other, non-music computers updated, tho it ain't easy (as someone once sang) since I have 3 + an iPad. Well, it is easy enough, but still time-consuming.
I'm not afraid of it, either, simply worried about burning a lot of time unnecessarily for no performance upgrade. Seems like a sensible precaution to me, esp. until the next iteration comes out w/ all the fixes a first, live release uncovers. One of the aspects of a dedicated machine is you can wait until convenient to destabilized it.
But if you only have the one machine to rule them all then it is best to stay current. And sooner or later we will all be Win 10. In fact, I went with a windows phone in the hope of better integration, even tho I didn't much like the HC I had. We'll see if that was smart 2 years from now or if I turn to the dark side of consumerism and finally get an iPhone.
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