Do I need to use Key Chain if I upgrade to Maverick?

After upgrading to Maverick, I had serious issues with Key Chain recently and had to completely wipe clean my iMAC - is it necessary to add this if I upgrade or am I better off just staying with Mountain Lion?

All versions of OSX use the Keychain - it's where all passwords, certificates and the like are kept.
The utility Keychain Access simply provides a user interface to enable you to manage passwords, certificates etc.
I'm not aware of any general Mavericks issues with Keychain. If you're happ woth ML, and Mavericks has nothing that you need, stay with it, but ML also uses the Keychain

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