But HF are the best way to upgrade. Sadly, people misunderstand for chain split.
An argument I feel is missing in this discussion is a user with a working sales-solution who has to install new SW because of a HF. This can be expensive and a security risk.
Yes, that's a legit concern. Any POS SW has to auto-upgrade as needed, the only issue I see comes if a merchant uses an abandoned SW and gets deprecated with a new HF.