You can play newer games even on 3.55 kmeaw with EBOOT fixes. Sincerely, It's not worth aiming for 3.55+ unless you have a way to fix your PS3 already, such as flasher or at least a friend who has It. Things such as RSOD can only be fixed by software on 3.55. Is avoiding downloading a few eboot fixes enough reason for you to go to 3.55+ and have a chance of randomly RSODing and wasting a hundred dollars on a hardware flasher? I think not.
What I do is have 3.55.3 and 4.21.1 Rebug CFW installed, I put both CFWs on my PS3 HDD and activate system update debug, so i can switch between both in 2~3 minutes. When I want to play a game with no 3.55 fix, I switch to 4.21 and before turning off my PS3 I get back to 3.55.