It very much looks like we will have to get used to multiple Bitcoin wallets each supporting different features, different Bitcoin networks where the processing of transactions will be handled differently.
Depending on what wallets you have today – lightweight, web wallet or full node these changes will impact you the User. And its seems you do have to upgrade.
** But of course what we all really want to know is what happens to the value of our Bitcoin (BTC) - will it go up or down, or is there a chance we could lose it all? **
Or will we end up owning different types of BTC when Bitcoin is forced to hard fork similar to Ether and Ethereum Classic?