Why would you not want to updo to One UI V5.0?
If you don't update to Android 13, then you will also not update the Security Patch Updates.
You can probably prevent the update by going to Settings > Apps > Show System Apps & Search for "Software Update", there should be two files. Clear Cache & Data for Both & Reboot.
You will likely still see a Notification that an Update is available though.
I have personally never experienced any negative effects from any Samsung stock Android version update.
I should also point out that I have a far amount of experience testing custom Roms for a variety of Custom Rom Developers, so I am pretty confident in my views on this subject.
I have never experienced any battery issues after any Stock Samsung Android version update, which can be dramatically different when testing Custom Roms.
I, along with a number of others here on Samsung Members Canada, ALWAYS Factory Reset after EVERY Android Version Update.
Why I Factory Reset after EVERY Android Version Update: