More to the point, I don't know of any compelling reasons to upgrade from Mojave. The new battery-conditioning feature may be the first such.
Still on Mojave on my work laptop. If there's no clear benefit to outweigh potentially breaking some local setup I have then I ignore it.
I have a working machine and wherever I have read, Catalina is buggy. There is absolutely no reason to upgrade and waste time fixing bugs.
Speaking for myself (not the person you asked) I still have machines on El Capitan and don't plan to upgrade them because they just work. High Sierra almost completely bricked them. Every new version of MacOS is more buggy than the previous and it takes dozens of hours of googling to figure out how to work around the bugs, restore features Apple removed, and turn off misfeatures Apple added.