lol. have you ever done an update with breaking api changes and cluster global exposures/rbac for helm charts? It's like switching out the bolts in a running engine.
of course it's more work than simply applying the new charts, but the nice thing about k8s is that you can dump out the stuff from the working one, use k3s/kind/minikube, try the upgrade, and you are as good to go as with a dist-upgrade or similar.