So I'm using a 6y old phone its running on android 11 with no issues and less tracking lol

And I'm considering an upgrade but I'm so comfortable with this thing that I don't want to lol, 

Should I? Because some apps now just need an updated android version to run (Halpp)

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Yess One of the banking app is stopped working for my version that's why I thought about the upgrade

Honestly, if it still works smoothly and does what you need, no rush. But yeah, once apps stop working or security updates become a real concern, it might be time