All your WordPress functionalities are working well and you are tempted to upgrade your WP version – Is it then necessary to update to a newer version when it is available?
The following may answer your question: “upgrade or not”?:
1. Why fix something when it is not broken?
2. The new wp version may not be stable as it is not really fully tested by a lot of users. It may not work as you have expected after you have installed it. For example, your existing plugins may not work with the …

Cannot access the wordpress plugin folder from your wp-admin?
It could mean that some plugin that you install and activated in the plugin folder is not compatible or not properly configured with your wordpress version.
Suggest that you delete the plugin concerned using your FTP program which should subsequently enable you to access your plugin folder.
Note: It is always advisable to test whether you can access your plugin folder after each installation/activation of the plugin so that you would know which plugin is causing the problem.
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Welcome to my WordPress blog.
I have use this blog to record my experience in using WordPress, both as my own reference as well as sharing it to the world.
I hope that my readers will benefit from my efforts so that they will find using WordPress a pleasure rather than frustration.
The path has been laid by me and all you have to do is to follow them.
Lastly, I wish you all the success & happy blogging.
Solomonc