Well, I agree that we don't have good upgrade engineering yet, but not to upgrade is not an option I would choose. Once you get how to upgrade, the next ones are mostly the same. It's quite seldom that a new version breaks current installation (the last one happens to me yesterday, regarding mouse wheel, while the previous one a few years ago), when you have the configurations in version neutral way.
For instance, I have lazarus and fpc in separate directories (not fpc within lazarus) and even I don't put any version directory directly below them (no lazarus/0.X.X or fpc/2.X.X), although for fpc this would be OK since $fpcversion macro could be used in fpc.cfg.