BIP110 doesn’t impact any financial transactions. There have been done multiple tests and simulations in this regard, so unless someone is purposely trying to trigger some known check, there’s 0.01% chance your normal financial transaction to be impacted in any way. Knots indeed stops working in 2 years if you haven’t been doing any updates in this period. This is basic housekeeping to make sure your software is secure from bugs and vulnerabilities. It’s only your money on the line, so I don’t see the issue here exactly.