I'm still on Adobe Commerce / Magento 2.4.5. Do I face real risk if I don't upgrade now?
Yes. On Adobe Commerce, extended support for 2.4.5 ends in August 2026; Magento Open Source has no equivalent extended tier, and 2.4.5 is already outside the full official patch cycle. Without an upgrade plan, security, PCI, and reactive-cost risk rise over time.
The most common path is not a platform migration: it is a controlled upgrade to the latest supported Adobe Commerce / Magento release (Cloud or on-premise), with a risk plan and P&L impact. Temporary containment only makes sense with an explicit deadline. An assessment maps the real state before you choose the path.