Bryan M. Wolfe asked the question and came up with an answer:
First launched in October 2019, macOS 10.15 Catalina offers lots of new features, including Sidecar, the move from iTunes to Music, and much more. If you haven’t yet upgraded your device, you’re probably asking yourself whether now is the right time. Have the glitches been worked out? Are there any major bugs? Are there any additional reasons not to upgrade?
Glitches? Yes. Bugs? Yes. Reasons not to upgrade? Yes. No. Maybe.
Most people with a compatible Mac should now update to macOS Catalina unless you have an essential incompatible software title. If that’s the case, you may want to use a virtual machine to keep an old operating system in place to use the outdated or discontinued software.
The virtual machine idea is a good one if you have the space to hold macOS Mojave and need some 32-bit apps. I just installed it all on an external disk drive and boot up to 32-bit apps when needed.