Just read the release notes with each new release. Hot fix releases are very small changes. The main release has large release notes. There are also likely to be a few bugs in it that are picked up quickly by users, leading to hot fix releases. If you are not impacted by those bugs, there is no need to update unless you want to.
Yesterday's release notes: Notice 3 bugs were fixed, one app feature was introduced, and there were two UI additions. Unless you want Power Meters in Basic Rule, or were impacted by the Basic Rule contact remaining open bug, or the Rule-4.1 cancel wait from other rule bug, this release wouldn't do a lot for you. On the other hand, updating to it entails very little incremental risk as so little code was involved in it.
