You are right in general. But often, necessary updates of apps to work on a new SFOS version are provided first on Storeman or chum and only later in Jolla Store.
So my quick and dirty way since a few update times is:
First backup all user data (photos, music,…) on external drive!
Make the OTA update and follow the instructions on the screen.
Check if new system works fine,
If yes - enjoy
If no - don’t invest more than 2 minutes, reflash, install latest versions of apps.