I'm not sure it's alarmist; I think this is all a breaking change is.
Anybody updating needs to know their existing config may not longer be supported. Even if the consequences are small, even if not every user will be affected, this update will break some previously acceptable configs. I think that warrants a heads up and a reminder to read the release notes.
It makes sense that your score went down when paying off loans. I have heard that closing accounts, credit lines, and phone plans do the same too. Supposedly because now theres "less history" of your good credit, or maybe just because of lower credit utilization.
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Thanks! Love you ;)