Yeh. I'm used to using old version of RHEL at work so I ended up learning how to deal with slow moving distros.

I use the OS as a base system and most of the stuff that needs to be newer versions can be done by installing the binary to to ~/bin as it is added to your path by ~/.profile if the directory exists on Debian.

Stuff like Discord, Slack, Kdenlive, OBS etc. I install using flatpak.

Other stuff. Go, Vim (I compile vim from source) and nvim can stuff can be compiled or dropped into /usr/local

That covers most stuff IME. However I appreciate this won't work for everyone.

Remember that Debian uses stable to indicate slow moving and predictable breakage, not "avoids breaking".

I would avoid using those two terms together because it implies two different goals when you are in fact repeating yourself.

Not everyone would consider avoiding fixing bugs as "stable" if those bugs directly impacts your day to day working.