I develop apps and I needed to upgrade to install the latest Xcode and simulators.
I always wait one year, upgrading to major release N-1 in August before N comes out in September. I made an exception last year and stayed on Sequoia. It will be August of next year before I consider Golden Gate.
I just stick with whatever major release comes with the computer. If I had actual liberty though I'd have this m3 pro running mojave. I actually got a lot of utility out of bootcamp.
Do you upgrade your computer when the major release goes out of support?