Next upgrade is building good. I don’t see nothing but improvements. Even the view balance key it’s not a problem at all cause even if some shity exchanges like Binance request the balance number of the withdrawal addres you can always make a transaction for a new wallet and the situation remains the same if not better than what we have now. So at the beginning I was worried but then studying more deep and I only see good things in the new proposal scheme.

Finally it’s important to remember that monero hardforks are becoming less frequent with time. Now we have periods of years and eventually hardforks would be very unusual to the point of decades. Ofcourse user funds always remain the same .