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UM 3.6.1 is likely to get extended into early next year.
UM 4.0 is currently Limited Availability but only meters vCenter Server. The next iteration is the 4.X GA which includes vROps and NSX-V. It should be out soon. The 4.X architecture does require the use of Usage Insight, so yes there will be a requirement eventually to adopt. I would suggest using Usage Insight now to get acquainted.
if you report the Standard with Management or Standard with networking bundles, I would hold on the upgrade to 4.X for now.
if you want to know more, id recommend joining one of my weekly webinars on the changes coming in the program Including the flex pricing model. Happy to answer any and all questions.