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Every time I see these ridiculous solutions being proposed, I get so frustrated. My partner and I are trying to do the right thing, saving and not stealing from our future selves - but we’re competing against these insane policies that do nothing but drive up the price even further.
We just met our original goal, but the cost of a home in our regional area has pretty much doubled since we moved back after giving up on Sydney a few years back now, so we’re no further ahead.
I agree with your terminology - updating is for often small incremental software patches.
Upgrade would be a complete program overhaul, or more commonly in my use of it, a change to a newer, better physical product.