I’ve only had my 2020 MX a few months more that you, but if I had to estimate, I’d say I’ve probably averaged about 2 updates a month, give or take. I seem to get a notice that there’s a new update about 2 days after they are released, and I would always install right away (though I know exactly what you mean about the risk of new software crashing, I’m just too excited to have a car that gets updates!). Late last year, I waited a while to install an update that was available and then when the next new update was released, it wasn’t available to me for over a week instead of the usual 2 days. Not sure if it is at all related, but I feel like if there is history of you taking them quick, you’ll get them quick.
You’ll definitely hear about people having issues after updates, but they don’t seem universal or widespread so I don’t think you are gaining anything by waiting since there’s always a new update every couple weeks, if it’s going to happen, it’s going to happen!
One thing I’ll recommend that I read here that I now do after every software update is a steering wheel reboot or two. I think it probably reboots as a process of the update, but an extra one just to make sure everything is clean and synched seems to work well.