So, just to confirm, you ARE able to send and receive transactions on bitcoin wallets that aren't 0.9.5 and up, as long as you wait for an extra 30 confirmations?
I'm using blockchain.info as my day to day use wallet.
All users on any wallet can send and receive Tx just fine. The Tx were being picked up on both chains. The risk and reason you would need to wait 30 confirmations had to deal with someone attempting to create a double spend attack where you are using a wallet on 0.9.4 and before that is vulnerable and possibly may be on the wrong chain.
In other words :
Someone pays you 100 dollars to your SPV wallet which is connected to a node on 0.9.4 or before. That node just so happens to be on the wrong chain. You start to receive confirmations coming in and assume the transaction is good. The attacker is aware of the forked chain and respends the same BTC on the other chain. When your node makes the correction and jumps on the correct chain it invalidates your BTC that was previously confirmed on the wrong chain.