2017 RPM to subscription H&B - downloaded transactions

I have been a user since 1993 and I normally only upgrade every 3 years when EOL forces me to. I seem to remember that if I have any Downloaded transactions that I have not put into my registers (I am a little behind and don't ask me how behind I am in Reconciling...), that I have to clear all those Downloaded Transactions first before backing up and upgrading versions. Can someone confirm that this is the case with upgrading to a subscription H&B? Thanks!
Since 1993 and now using subscription Win10 H&B&Rental

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