There is no hard and fast rule.....but maybe some things to consider....
- Stay at least up to date with maintenance packs (M5, M6, etc.)
- Like @SASKiwi said, apply specific fixes for specific problems.
- Be a member of the hot fix announcement community board and evaluate critical hot fixes as they become available
- Be compliant with any organisational policies you might have
There is a fair amount of effort into applying maintenance packs and hot fixes, since there is downtime, user testing, change slots, etc, So I believe the above strikes a balance between effort and result.
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