Default Should I take the OTA

I just picked up an S5 from radio shack and it's still running NCE firmware. I checked for updates and see that there's is an OTA available. I've frozen the at&t updater for the time being and was wondering what the pros and cons of updating. So far I've only rooted and frozen the updater. Holding off on further debloating while I figure out if I should take the OTA.

A few questions:
Are there any advantages to the newer firmware (ND3?) beyond some additional bloat from at&t? Are there any advantages to staying on NCE? Would I need to unroot to take the update? If I don't, will the OTA break root? Is the newer firmware still rootable with towelroot?

Thanks in advance for any insight you guys can provide!

Sent from my SAMSUNG-SM-G900A using xda app-developers app