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Upgrading your Mac is recommended because it brings security, performance, and usability improvements. Let us break down these points.
The normal path to upgrade is via the System Settings/General/Software Update options. If you're not able to update this way then you can always use the Self Service App and look out for the upgrade policy options within Core Software.
Upgrade to macOS 26 Tahoe
Upgrade to macOS 15 Sequoia
Upgrade to macOS 14 Sonoma