Like you I have not updated yet and I can work around. While you are right there is no obligation, when a production team abandons its legacy community, it is very likely the product will not be around for much longer. Ford don't as a rule make changes that would break the compatibility of accessories in an existing car, though with over the air software updates, they might in future. A new model, yes, but that's somewhat different. The reason the developer stopped developing was his plugin was so good it became incorporated into the core code. I the OBS core team will decide to simply add the missing audio to the built in virtual camera. Meanwhile perhaps we need a concept of long term support for major version changes where all the working main code builds and plugins that worked with it are archived. That's already there for OBS but not as far as I know for the plugins.
For now I will try to warn off the beginners from updating, but chances are they will because they are not programmers, they don't have the knowledge and have been continually told they must to keep up to date by Microsoft etc and so will just click on every update request, not realising this will break things. At least OBS updates are not automatically enforced.
Interesting point about paying someone. I was not even aware that was an option. Funding might be possible for a specific plugin that does what we are using the virtual camera for, which is generating H265 mpeg transport streams at very low bit rates. Success requires the use of codec options not supported by the built in ffmpeg. This is why the virtual camera was needed, to send the video and audio to an external ffmpeg process. I would do it myself, but the toolset required to build a plugin seems daunting and when I went to install it I found QT appears to be moving towards being a closed source commercial product with a $300 per month price tag. No doubt you can still build with free tools but I'll bet it's going to get a lot more difficult going forwards as the commercial and open versions diverge.