Question about 1.76. What not to do?

I have just bought a PS4 with FW v1.76.
Would like to keep the firmware but still enjoying the PS4 games available.

1) What games can be played on FW 1.76, is there any restriction to newer games requiring latest firmware?
2) Does PS4 games comes with firmware update?
3) is there any other methods to prevent PS4 from updating itself apart from not connecting to the internet?

Thanks