Personally, I feel that whenever a firmware update comes along, I’m going to install it. I think we’ve had two so far for the Canon 10D (Ray, is that correct?). To me, it’s kinda like keeping your OS or your anti-virus program up-to-date; I just do it.
As far as I can remember, we’ve had 3 updates so far… 1.01, 2.00 and 2.01.
As for avoiding problems.. I do not install updates when they add functionalities I don’t need (like the direct printing which I will never use), but I do install them when they correct an issue, even if I don’t have the particular issue. I don’t wait for being faced with it to need the update… 😉
There is, finally, the placebo effect, where installing a firmware upgrade makes your cooking taste better, the car running on less fuel, and you find that after performing the update, you lost 15 pounds, can run a mile without being short of breath, and you’ve quit smoking, that same evening, cold turkey… 😉
Seriously, I don’t know if this is "an urban legend" but sometimes, people will report things running smoother than before (faster focus, smaller file size, etc.) after upgrading, even when the upgrade itself didn’t fix any particular problem in those areas. It could be true, not every manufacturer is willing to come out and admit a certain problem with some functions, as they have the possibility to silently fix it in the next firmware upgrade.
Ray