The Recovery USB will not update. It's purpose is to bring your computer back to the way it is when you bought it. That may (or may not) include extra software provided by the manufacturer. So if you use a Recovery USB a year or more from now, it will be very out of date and it will take some time for Windows Updates to run and complete. If manufacturer software is saved with the Recovery, it may want to update also.
A year or more from now, the manufacturer may not provide you with your original software, or they may charge you a fee to provide it. Long ago, manufacturers provided media (first floppy disks, then CD's, then DVD's) including Windows, and drivers, and other software in case you needed to recover your computer. But they stopped providing any media, and they expect you to make a Recovery USB to protect yourself from system failures. Some manufacturers may include their own Recovery tools or applications... you should investigate if any are included with your system (check your owner's manual).
A year or more from now,
unless things change, you will be able to download the latest copy of Windows 10 and install it at no cost. And this fresh copy should "activate" the registration when you go online and it communicates with Microsoft. It will recognize your computer was previously activated and is legal... unless you make some serious hardware changes (like a new CPU or motherboard).
But
things do change, and I can't predict the future. What if Windows 11 is released? What will Microsoft do then? The cost of a 16 GB or 32 GB USB is minimal to create a Recovery USB, whether you ever use it or not. Making a Recovery USB is recommended by Microsoft, and by manufacturers, and by me.
But it's up to you.