I've already been living this life for half a decade, since my PC's motherboard only supports up to Windows 10 v1909 for some reason. No idea why or what component could be the cause, but the later updates indeed fail to install and automatically roll back to v1909 when I try. They eventually updated the product page to mention it:
https://www.supermicro.com/en/products/motherboard/X10SAE (at the very bottom)
> Note: Win 10 OS can't support beyond 19H2 version
Verdict: It's been actually amazing, and I had forgotten how much I love having a computer that never decides that it's acceptable to interrupt my workspace because it knows better than me. Anyone who wants to tell me to BE AFRAID is welcome to come haxx0r my Gibson and make me believe, otherwise I'll happily keep using this garbage forever ;)