"Loader needs to be updated" (azure guest context)

Hi,

context is

freebsd amd64 vm on Azure (initially installed via azure marketplace several 
years ago (12-releng)), and has been upgraded as updates became available 
with freebsd-update over the years all the way up to 13.4-p1 now.
System updates/upgrades have *always* been managed with freebsd-update.

Latest upgrade from 13.3-p6 to 13.4-p1 shows "loader needs to be updated" 
in the beastie menu in the console now. This is new.

# zfs --version
zfs-2.1.14-FreeBSD_gd99134be8
zfs-kmod-2.1.15-FreeBSD_gd99134be8

(perhaps side issue - different version numbers, same -FreeBSD_gd99134be8 ?!!)

This system is *not* root-on-zfs. There is zfs, but it's data on 
a non-boot virtual disk.

"zpool status" invites me to upgrade the pool. I've not done this (have 
never done it with this vm, either), and don't want to unless I'm
absolutely certain upgrading the pool won't break everything.

I note from a (similar, but different context) thread last September
https://lists.freebsd.org/archives/freebsd-current/2024-September/006378.html
that FreeBSD uses "the guest's boot loader and the host's /boot/lua files"
but I'm clueless how this would apply in an amd64 context with Azure
as the host.

What do i have to do? Also, is the warning safe to ignore in this context?
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