It doesn't matter if you upgrade or not. The entire phone will be wiped when you downgrade. So no, don't bother with upgrading.
Most of the problems that have been encountered have resulted from user error. The other issues arise from old drivers from other phones getting in the way. About to add removal of old drivers to the guide, actually.
As for your personal concerns about your ability to do this, ask questions. We don't know what you do or don't know, so we can only help if you ask specifics.