Hi Rick
I agree with you in all the points except for the conclusion:
> What I have noticed is that question and quiz plugins could create some problems. And maybe other things can also create problems. I think the general warning is that if you have been using plugins or customized code, you might encounter problems as Moodle continues development.
You have put two things together which need individual attention:
1. Quizzes using only the core question types.
2. Additional question plug-ins and code customizations
I agree that people who do 2) should know what they are doing. So a general warning like "you might encounter problems" is sufficient. But in 1) you find all sorts, including non-techies and the clueless. Developments in Moodle should not leave them in the cold.