Haha, sometimes it's good to wait for a x.x.1 or x.x.2 before upgrading. A lot of folks are planning to wait several versions when vBulletin 4 comes out, because generally when there's a large version change, it means a lot of things are different and there's more potential for bugs.
If you're not a technical user (which you have mentioned you are not), I recommend this as a rule of thumb.
I'm always pensive when a new build of VaultWiki comes out. While each build fixes a lot of existing bugs, a new build means new bugs. It's a vicious circle.
However, from what I've seen, it seems that you have had more problems (serious problems anyway) upgrading vBulletin than upgrading VaultWiki.