I'm a Bluehost user and usually I can go into Bluehost and have it upgrade my WordPress installation for me. Of late I'm seeing the line "you must upgrade this manually." I'm not a very advanced user, and I have visions of losing every change I've made to my theme, sidebar, and whatnot... Going completely back to scratch.
So I'm asking for two things: Assurance that it isn't that bad... It isn't, right?
And a step-by-step "Upgrading WordPress for Dummies" link if there is such a thing out there.