When I was making money with computers (software development, photography), I was always more careful. The only thing that would really move me were serious security issues.Sonoma is very stable.
Not jumping is probably justified if you are not pushed to do it by your apps or care about possible change in power consumption etc.
I like that Sonoma has been stable, in contrast to Ventura. I'm just being a little more careful, even though I want the M1 MacBook Air to be at its best. Monterey isn't bad.