Sooo I am still using like 10.1 or something like that....

[spazzdla]

Do I have to upgrade to .13 ... I probably won't, just wondering what will happen. 

[Carlton Banks]

Nope. I'd recommend coming up to 12.1 though, 0.10.x is very sluggish checking the blockchain (and verfiying sigs) on startup, 0.12 performs most routine tasks quicker. Also, I don't believe 10.3 was ever released, so I don't think you have Low-S enforcement (i.e. the malleation "attack" would still work on transactions sent using 10.2).

When 13.1 and 12.2 are available, you need to look a little closer. 10.x will still function, but it's not operating with all the new rules in place for SegWit (once that fork activates, likely a couple of months after release). The benefits are a little more tangible, as your transactions will benefit from the fee discount.

[spazzdla]

Sweet, thanks for the info!

[johnnyyash]

Nice and timely info...thanks

[Carlton Banks]

Oh, and assuming you're looking to go a conservative route, 12.2 is the better option to take advantage of SegWit conservatively. The changes from 12.1 are SegWit + minor changes, so it's safer than 0.13.1 (which is currently intended to be more revamped than 12.2, major release of course)