I was visiting my parents for the holidays and came across this exact mindset. I usually push them to update for security, but I learned that they stopped doing that this year. Apparently some update broke/removed/changed an accessibility feature on their phone in a way that I couldn’t figure out how to revert. My mom had updated her phone first so only she was affected. My dad now refuses to update his phone and both of them have completely stopped updating for fear that something else will “break”. I can’t really blame them, but it does worry me and now I’m trying to think of what I can do to secure their devices if they’re not going to update.