The Stable channel is what everyone should use, but there are various situations where you need to switch to the Beta one. For example, Google recently updated the list of Chromebooks that received support for Google Play Store to allow users to install Android apps, but it's only available in the Beta channel. According to Google, the Beta channel comes with low risk so that you can use it on a daily basis on your Chromebook, but the Dev channel should only be used by experienced users that know what they're getting into, though it gives them a sneak peek at the latest Chrome OS features.
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