I’m not as adventurous and “up for the challenge” of bug/gremlin hunting. My patience for hassles and aggravation is at non-existent levels, so these days I have much more of a “if it ain’t broke...” outlook. Mojave is (mostly) a joy, and I’ve yet to hear one thing making me feel like I’m somehow missing out by not installing Catalina.
10 years ago, I was a day one adopter. Screw that! Those days are long gone for me. Even on iOS, I’ll wait at least 3-5 days On the major yearly release just to make sure there’s nothing catastrophic and brick-making present.
I do install the intermediate point updates within 1-2 days because they typically fix/improve things and - knock on wood - I’ve never had a problem doing that. But the biggies, I do some waiting/reading (it’s so hard to go backwards, I only want to go forward when I feel like it’s safe).
And since I’m basically tech support/answer desk for all my Apple-owning friends and family, you can bet your ass I make them all wait until
I’ve updated, lived with it for a week or so and deem it “safe to proceed”. I hate fiddling with my own stuff; not about to do it for 8-9 others just because they get an itchy download trigger finger. I tell folks if they download on day one, against my advice and it hits the fan, they’re on their own. I’m not going to come over and spend hours trying to work a miracle. I just don’t have it in me anymore.
That seems to do the trick, because they know I mean it.