I tried copying all the files from the upgrade package to a test directory, rather than to the existing directory where my current files reside. When doing that, I noticed that I would frequently see upload issues. I wasn't sure if there was a permissions issue or something else. Given that some files were copying suggested that it wasn't a permissions problem.
Because of that, I'm hesitant to simply copy those files into that directory for fear of blowing something up and killing my existing files.
I'm running v4.4.10
I'm currently running v4.4.10
The upgrade is to v4.7.13
Regarding the cloud platform option, I run the forum as a hobby. It's already a loss leader, so trying to keep costs down. Not a great excuse, but it's also one of the reasons I don't upgrade with every new release. I finally decided to take action on this latest version because I had overlooked a number of security updates, which I assume will bite me eventually.