Nope, haven't even thought about it!
This machine was bought as a new 'maxed out' top-end monster.
(It was coincidentally rebuilt from the keel up under AppleCare about a year ago giving me a new screen, motherboard and SSHD following some strange power cut outs.)
It handles everything I throw at it and has no OS drag... Yet.
Look after the Mac and it will look after you!
In life, I've found that you don't always need the shiniest and newest of everything all the time...
Spot on. An enormously sensible and adult attitude. And quite rare in the fan-boy Appleverse.