That is a personal approach. As I am managing the systems here in the house (of which i use one for my day to day scores, but that is my role of user), I have a maintenance window once a week. Then I check for backups, assess them and mostly then install them. It is also time for backups then and for eventual other maintenance.
I probably must add that I do not run Tumbleweed, thus checking for updates with YaST > Software > Online update is easy enough. I see the updates offered, mostly not more that 5 - 10 of them, cehck what they are for and mostly > OK.
I see no use case for my users (that is thus including myself) to have an applet sitting there. My users are f course NOT allowed to install any software in the system, updates or not.