Win 7 in place upgrade, or New install to SSD of Windows 10 - what is more stable

Hi all!  We have a pretty solid history with our customers of doing top notch high quality work  It has been brought to our attention that some people are doing in place Windows 10 upgrades, rather than a fresh install.  We have clients where they don't want to invest in new hardware and although 4+ yrs old, more than meet their needs (i7s etc)  .  Due to spindle drives being one of the weakest links in a desktop, the registry getting bloated over a few years, we recommend doing a new install of Windows 10, on an SSD, then installing apps fresh, and restoring any local data/config etc.   Many of the users are on Office 2010, which EOL is Oct 2020, when it comes to sec updates too. Yet another reason to go to a new install on an SSD.
The systems we have done - are flawlessly reliable.  Does anyone disagree with a fresh install on new drives, vs in place?  I keep hearing people having performance issues, random BSODs, and other issues with in place upgrades.

I just want to see what the consensus is.
Most users even notice an increase in performance by adding an inexpensive SSD.
Thanks!