I just installed Nokia Software Updater for Retail (version 3.0.8) and it shows that there is an update available for my Lumia 620.
I notice that it is a very minor update, however I'm not sure. Should I go ahead and install the update? Are Windows Phone 8 updates cumulative? GDR2 will be available next month anyway, so should I wait for GDR2?
I have one more question: Is it safe to update firmware using Nokia Software Updater for Retail? And if I don't backup my phone and after the new firmware is installed I then sign in with my Microsoft Account, will I at least get all my contacts and purchased apps? I'm only worried about contacts and purchased apps. I'm not all worried about settings etc.