Using my 950 as a daily driver has been excellent. I won't pretend the bugs aren't there but they don't interfere anywhere near as much as the forums might imply - so long as you don't do group conversations through the Messaging app.
Some games are also prone to crashing and poor optimisation but that's an inevitability until those developers update their apps.
I think the OS itself is ready as a daily driver. However, some of the individual apps need a bit of work. As Zeem Frostmaw said, the bugs are there, and some things will crash, but I don't spend all day fighting to get my phone to work.
Personally I wouldn't recommend updating via Insider unless you plan to hard reset. It's not that a straight Insider update is bad, but you shouldn't expect the same kind of smoothness as you get from a new phone with W10M and the relevant firmware.