You're describing my setup exactly. Stable for servers, testing for personal machines, with apt-listbugs installed (the install guide recommended this at one point, not sure if it still does). I also ran unstable for about two years and, like you said, it was fine.

Testing is usually only a few weeks behind unstable though, so if your primary motivation is to have relatively recent software and a rolling release so that you never have to stop everything and deal with full system upgrade breakages, then testing is great.