Your impressions of 24H2, plus/minus of moving to it

Apologies in advance for what will sound like a clueless newb post, the type that usually prompts replies like "use the search function" or "why haven't you read this or that existing thread that answers your exact question." I'll just say that I'm dealing with some seriously urgent things at the minute and can't summon the energy to scrape through a lot of threads. And so...

I keep seeing the little icon on my taskbar hoping to entice me to move from 23H2 to 24H2.
-Any reason that waiting to install it would be a bad decision? The last thing I need is a time sink to fix a newly installed problem.
-Are there known issues for a garden-variety user with Chrome browsing, MS Office, Quicken, and other odds and ends on a Lenovo tablet?
-Is there a performance difference vs 23H2, better or worse?

My computer is coming up on 3 years old and that's getting close to the age when I've sometimes found further OS upgrades to slow down a computer. My last PC, I stopped upgrading at 4 or 5 years (other than virus definitions, of course) and it ran quite well until it was 10 years old.