v11 -> v12 was a huge update with the addition of AnkiHub and pushed updates/community effort. I've already seen a huge improvement in the quality of cards, particularly pink/extra text. Lots of old outdated cards have been corrected. Also Step 2 CK bank on UW is all tagged to v12 and I believe it's not to prior versions. Ankihub is $5 and updates in like...a minute. I would say it's worth it.
Whether or not you're OK using v10? Probably