I’m a little curious to try and build an API where parsing must be exact, and changes always result in a new version of the API. I don’t actually think it would be too difficult, but perhaps some extra tooling around downgrading responses and deprecating old versions may need to be built.
If you’re writing a server, I believe the rule is that any once valid input must stay valid forever, so you just never delete fields. The main benefit of DisallowUnknownFields is that it makes it easier for clients to know when they’ve sent something wrong or useless.
What actually makes sense is versioning your interfaces (and actually anything you serialize at all), with the version designator being easily accessible without parsing the entire message. (An easy way to have that is to version the endpoint URLs: /api/v1, /api/v2, etc).
For some time, you support two (or more) versions. Eventually you drop the old version if it's problematic. You never have to guess, and can always reject unknown fields.