Well, I finally bit the bullet and upgraded to High Sierra after feeling pretty good that I accounted for all of the risks regarding compatibility. Upgrade went fine, except that it seems my Samsung T3 SSD is not compatible with APFS This was one of the major reasons for my upgrading, and so because of that. I'm somewhat bummed out. There was no upgrade APFS checkbox on the initial upgrade, the option is grayed out in the Disk Utility regardless if I boot up in Recovery partition or just normal boot I was expecting, that given the popularity of this SSD, that it would be compatible. I guess I assumed wrong.