What is the most important risk of complicated UTIs?

I- The most important risk of complicated UTIs is due to antimicrobial resistance and possible associated complications (bacteremia, sepsis, abscesses, etc).
II- The most important risk of complicated UTIs is due to the presence of anatomical or functional alterations of the urogenital system.
III- The most important risk of complicated UTIs is due to the presence of comorbidities such as diabetes or immunosuppression.
a) Only I is correct.
b) Only II is correct.
c) Only III is correct.
d) I and II are correct.
e) I and III are correct.