Why you should avoid OS upgrades from Microsoft and Apple (for now)

Apple and Microsoft are giving out free OS updates, but unless you want to risk an exasperating tussle with software that's not quite ready for prime time, it's a good idea to resist temptation and wait a while.
You'll eventually want to upgrade to Windows 10 and iOS 10, Apple's OS for iPhones and iPads. Both have features that make them more user friendly and more powerful. But OS software is packed with millions of lines of code, and the chances of a new version landing without