The only reason for not updating now is the possibility of getting in to RCM mode from your sysnand. If you want a completely clean sysnand for online play then you'd have to update regardless. I'm in a similar situation to you, on 4.1 and i'd like to do everything on one Switch without risking getting banned from online play. At some point I will probably update from 4.1 and enjoy using my Switch as normal. If I want hacks I can boot in to an Emunand with no network settings and keep that totally offline, having the best of both worlds. As you say no reason to update yet as no games require greater than 4.1, so i'm holding out for now. Eventually I will most likely update, however for now i'm keeping my options open just to see what happens.