Well I took the leap and took the OTA
First I un-froze all apps with Titanium that I had frozen, then I ran ota root keeper, did the ota, ran ota root keeper again and all is good ota successful and I still have root
Now I just read our phones will be getting android 4.3 on the 28th of this month. Not sure I believe it just yet
Samsung Galaxy S4 rooted
Having a nandroid backup when things go bad,,,,, Priceless!!