Good that I was having the wallet version after 6xx because before that one the new ARK version would no support below version 6. I bet for those not updated their Ark wallet they might lose their coins for having an old wallet?
I really don't follow what you are saying here or where you got 6 from, but nothing is stored in your wallet. ARK is stored on the blockchain, the wallets are just access points to the blockchain. If you have your passphrase, you can access your ARK on the blockchain anywhere in the world at anytime(with internet connection of course). The current Desktop Wallet version is 2.8.1, any wallet below 2.8 is no longer compatible with the ARK blockchain due to the recent network upgrades including schnorr multisigs, multipayments, nonces and more. You don't have to upgrade your wallet if you don't want to, you wont lose your ARK, you just won't be able to interact with it or the network.