Not a dumb question at all
I was always told to wait a while before upgrading because of all of the bugs. I guess it is just up to the individual person. I have only had mine for a couple of months and have no intention of upgrading for quite some time.
Sorry, I can't answer the other questions you have, not sure of that myself.
Also here is this thread I just came across
https://vborg.vbsupport.ru/showthread.php?t=118001