The CS files remain (dormant) on disk...
What do you mean "let"? If you install disable-ota, the OTA will be prevented so your current 1.02.20 + CF will remain intact. Hopefully 1.02.28 will turn up on the download site so we can have a look at it and see if it has any downside before the community adopts it in general. Without disable-ota, the only means you have to guard against the OTA are to: turn off power every night; disconnect the aerial every night; make sure the box is recording something at 4.30 every morning (I think).
IMO everyone should install disable-ota. We don't know if, for example, a new issue might be capable of killing the CF completely (unlikely), or it restructures the Flash storage making it difficult or impossible to restore a previous issue. Nobody in Customised land is going to be happy if it is buggy but prevents a wind back, even worse if it takes a while to develop a new CF.
The BYTs will have to install it at some point to see what's what, but probably only tentatively once the Internet has been scoured for any reports of problems from anyone else out there (or indeed anyone here who didn't take measures). They will also have the skills (we hope) to unpick things if it all goes down in flames. The rest of us will wait with baited breath.
INSTALL disable-ota NOW, wait until 1.02.28 appears as a download and there is a new CF for it.