It's not an upgrade, it's a fix to use GPay with your NFC.I'm using FUXI_V14.0.31.0.TMCCNXM, but I see it's just been updated.
So do I need to upgrade or not?
So you install this ROM.
Then install Magisk.
Then configure Magisk.
Then install the patch.
Many reboot in all the process.
You also have to clean data and cache of Google Play, Wallet, and few services, then install again your cards in the wallet.
And you have your GPay working!
For now... until Google change something and you have to download a different patch.
I forgot, now your bank app will not open because your phone is rooted.
So you have also to hack your bank app (hide the root).
And you have also to change Magisk name of the app, or your bank app will not open.
It works... for now... but it is a crazy and not simple procedure, and it doesn't feel safe at all!!!
Honestly... if you just want a normal and safe smartphone to use, to just turn on and use and nothing more... forget Xiaomi, buy a Samsung.
If you are expert with coding and IT, and you like to hack, and you don't care about safety or reliability, Xiaomi is the perfect product for you.
(in my opinion)