As most of us know 2018.10.4 was a HUGH improvement on detecting stopped cars and coming to a safe stop if driving < 50mph. Again, these updates "can" be pretty important so why not allow us to be on the current version.
But that's where it goes both ways. Many people who drive near there actually said it was a 10.4 regression that it was more likely to identify the gore lane as a driving lane. Previous versions didn't make that mistake.
Similarly, builds newer than 2018.12 seem to have more phantom braking events compared to earlier builds.
So yes, maybe some updates improve safety and that's an argument for being on the latest. But other times, arguably newer firmware can have bugs that regress safety in edge cases too. And that's probably one reason that Tesla is really slow at trickling out new updates with behavior changes.