So the answer is to simply not trust Apple to release stable code? Surely the very existence of this answer, proves the point of the original question.
Anything else is just victim blaming.
Ah here, leave it out.
All new software has new problems -- don't want the problems. Opt for tried and tested. Plenty of folk still happily purring along on older versions of macOS.
There was a great article here the other day about a guy revising his approach to upgrading macOS every October instead choosing to evaluate the new features vs introducing change that can break things. Can't find it though atm.