Never say safe, especially with the S&P it is a risk and people should understand that, but for most people who predict being able to hold for a long period it works.
A lot of the big user facing changes seem to be more and more app/Google play service updates now. Makes for boring system updates, but at least they happen.
Although it's progression fantasy and not litRPG, Cradle is a classic. It is a completed series with 12 books overall. Featuring some of the best one liners in any book series.
It also features one of the best characters: Eithan Arelius
Not really if you exclude the employer match from consideration.