Meanwhile everything consumer and most enterprise is as you said, "don't upgrade if it is not broken, else you WILL feel pain".
Companies basically trained bad security habits into their user base
Sometimes I even run testing because stable will be out shortly and I don't feel like upgrading.
It's a very different experience to the single Windows laptop in my house, where the latest stable is always subtly broken in ways I notice. Last week the top half of the taskbar disappeared for an evening, for example.
However, Windows Update isn't doing a major version upgrade as far as I know - it's the equivalent of doing a kernel upgrade in Linux. Also, the typical Linux upgrade command will also pull in updates/fixes for pretty much every bit of software in the system, whereas Windows Update will ignore user installed software as far as I know.