I'm such a user. Been mostly running on debian/stable since the 90-ies. At work and privately. I cheated when I got a new computer in the beginning of August this year and installed Trixie a couple of weeks before release.

My reasoning is quite simple: I really don't need the latest versions of everything. Were computers useful two years ago? Yeah? OK then, then a computer is obviously useful today with software that is two years old. I'll get the new software eventually, with most of the kinks ironed out. And I've had time to read up on the changes before they just hit me in the face.

Sure, it was a bit painful with hardware support some twenty years ago or so, but I can barely remember the last time that was an issue.

For the very few select pieces of software where stable doesn't quite cut it there's backports, fasttrack and other side channels.