Stay at 1.02, I am glad I have.
It's sad that I have to use a 1.5 year old firmware, beause DLink can't get their code monkeys to make a firmware worth a **** on this.
I have now stopped recommending DLink routers due to the firmware issues on this model, and others I have read about, since if you buy one you're stuck with a newer problematic version. It's sad, as their products started out awesome. (re: 655, 4500, etc)
Granted I don't know much about the newer 655 releases, heck it could be fixed now, but just have a bad taste in my mouth currently.