Upgrade personal iPhone to iOS beta 5.0?
Apple actively states that you should in no way install development releases on any hardware you rely on. More specifically they state that "you should install this on dedicated development hardware" meaning a second phone.


If you are even the slightest bit concerned about stability, don't install it.
If you are not going to use it to develop/test against, don't install it.


And, my personal favorite:


If you have to ask this question, don't install it!