pop_os updates are fairly seamless most of the time but I usually do a clean reset anyway since I wrote a 'post-install' bash script to setup up my computer exactly how I like it. its a bit of work to set up but I would definitely recommend it.

i have all my program settings files saved in a syncthing folder and the script creates softlinks where those files are supposed to be. dconf let's you backup and restore a ton of settings in one go. the only thing I have to do after the script is done is log into websites and then my computer is fully set up