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You should be fine with your level of 10g. However, we had encountered a problem with an access violation in the 10.2.0.3 odbc driver. The database team recommended that we upgrade the driver to 10.2.0.4 to address the issue. If the customer runs on 10.2.0.3, they may encounter this access violation issue and will be directed to upgrade to 10.2.0.4.
Also, there were a number of bugs present in Oracle Database 10.2.0.3 (including a potential database crash bug). I'd suggest upgrading to 10.2.0.4 Patchset 14 or later.