First of all I would install 5.0.1. It's a huge diffrence between 4 and 5 release, for example it's a way more faster. They did a great job with new netbsd.
About packages...
You are right, the only diffrence between x.0.1 and x.0 release are critical/security updates. So you are free to use pkg prepared for x.0.
Best Regards
Tom
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