It keeps nagging me to update to Tahoe.
Oh ... I just checked, and I could update to 14.8.4. Maybe that's safe.
I've been holding out as you do for as long as I can but in 1-2 years the apps just stop working (some of them).
Win 11 is bad compared to Win 10 as well. I'm fairly new to Linux so I can't really form an opinion there.