I have Win 10 Pro Version 1803 (OS Build 17134.523) and Settings
Windows Update tells me I am up to date.

During a forum discussion a USA-based contact recently advised me:

"You're way behind on your Windows version. You missed the fall update
to 1809. That also means you might be missing many post 1809 updates.
Many security and stability issues were fixed since your version."

Another countered with:
"The Windows 1809 was very buggy. It was released and pulled a couple of
times. It was supposed to be released in September but was not
re-released until November. Microsoft has fixed some of the major issues
but some bugs remain. I have several machines that are not even offered
1809. I have read that the Windows update looks for certain hardware
and may not offer specific updates if the updates are not compatible
with the computer."

What is the consensus here please?

Terry, East Grinstead, UK