Ugh!
First off, I resent the assumption, the false logic, that leads one to assert that if someone has a different opinion they must be 'on the take.' If this were a phone call, my finger would start moving towards the disconnect button the moment that sort of drivel started.
AFCI's and panel changes / service upgrades have been debated since AFCI's came about. It's nearly uniformly recognized that when you change the service, you change the service - rather than 'modify' an existing circuit. Carry that 'modify' idea to its' and, and simply changing a light bulb is 'modifying' the circuit. That's absurd.
An interesting opinion. You realize that most jurisdictions state that once you touch it ( meaning change) you need to follow the new code. Once you remove the old can you are no longer granfathered in.
More to the point, there are numerous other changes that need to be made when you 'modify' a circuit.
There are ? one could say adding pigtails is a modification.
Many of these changes have the effect of making it simpler to just add a new circuit. Old houses just were not wired to the same rule book. This does not mean they are no longer safe; rather, it shows how our expectations have changed.
Without turning this post into a book, these other changes affect multi-wire circuits, GFCI protection, and dedicated circuits. You simply can't apply them to an older home without doing a complete-gut remodel.
As far as AFCI's are concerned, it's the neutral that is the joker in the deck. Older homes typically 'share' the neutral between two circuits - a situation that caused AFCI issues. If the house has knob & tube wiring, it is even more likely that the neutral has been used by multiple circuits. The neutral may even be switched. More AFCI fun.
So ... as nice an idea it may be to add AFCI's when you do a panel swap, in practical terms it's like trying to apply today's car standards to your classic 1956 Thunderbird. Let me know where you put the airbag and catalytic converter.