OK, "bit the bullet" and went from 2.02NA to 2.05NA. Used the Zip file from the dlink web-site (support area). The MS Word files describes first saving your configuration, then doing the two firmware upgrades. Firmware upgrades went fine (both, in-order). No need to futz with hard-coding IP address on PC: "it just worked".
Minor issues:
* Firmware upgrades killed my config. Having saved per instructions (MS Word in Zip), I simply restored the config; all was well.
* Upload speed went from 4Mbps (2.02NA) to 1Mbps (2.05NA). I went into QoS and disabled automatic speed detection, set speed to 4096, and got my speed back.
In summary:
* Upgrade seems to be a "good thing".
* Watch that QoS (upload speed); any and all tips re: QoS optimization much appreciated!