I've never had any issues with Windows updates and I never lost anything because of them. They do give you a warning that a restart is imminent. Enough time to save what's important.
I'm going to update one of my laptops to Windows 11 when it becomes available to the general public. If there are no big drawbacks, I'll update the others as well. All my current devices (4 of them) are eligible.
Windows has its faults, but I've never had any serious trouble with it and so feel no urge to change to something else.
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