That’s akin to saying if you drive carefully you don’t need insurance.My opinion is there’s no need to update as long as your apps still work. I’m still on iOS 15. It is a fact at this point that iOS updates slowly degrade the performance and battery life of devices. I’ve seen it personally for ten years. So don’t rush into it if your phone works fine now. People talk about security etc. but just use common sense and don’t visit shady websites.