I think the bottom line is... If you're not having any issues with your 1.03 build, then there's no compelling reason to upgrade to 1.04.
However, if you ARE having problems, or if you're going to reflash anyway (perhaps to add/subtract something from your current build), then you might as well use the latest kitchen. It may fix the issues you're having (maybe even issues you don't yet KNOW you're having), and it will certainly be the most "supported" kitchen through these forums.
For example, I am having zero issues with my 1.03 build. I've had no lockups, no excessive battery drain, my bluetooth works for a change (both A2DP and my Acura's HFL), etc., etc. Thus, for me, there's no compelling reason to screw with that build, so I'm not upgrading. However, my dialer-of-choice breaks SmartDial, so if I ever decide to fix that by changing dialers, I would probably use the 1.04 build to do so.
Finally, remember... with a decent backup-package, there's very little risk in trying out the 1.04 ROM. If it doesn't work for you, simply flash back to your 1.03 build, and restore your backup (to get any post-flash changes you've made). Easy-Cheesy.
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