Your average user expects an OS update to be nothing more than new features, they don't know/expect of anything to be wiped out, or know any kind of possible data loss might occur,
I respectfully disagree. The average user has no idea what an OS is, or why you would update it. It's something they do, under instruction, because other people are doing it.
Because you or I or someone like us tells them they should for a new feature. Or they're fastidious. Or they feel like they'll screw something up if they don't. Or they do so in hopes of improving a poor experience. Or they pay attention to and trust their vendor's marketing. Or they take it in for service and its done for them. But for the most part it really doesn't mean anything to the common customer.