My primary iMac is still on Mojave and it's February. I feel no pressing need to upgrade it to Catalina; no apps I want to run require it, my system is fast and stable and I just can't be bothered.
Wondering if anyone else feels this way. This is the first MacOS release I'm feeling like skipping since I started using MacOS X in 2003. That's really saying something.
Luckily Apple is still supporting Mojave with security and Safari updates, but of course that won't be forever. Hopefully whatever comes out this year will feel more solid and refined and I'll be more willing to upgrade!
(Note that my work-issued 2015 Macbook Pro IS on Catalina, but I don't use it that much. So I HAVE used Catalina; I'm not "afraid of the unknown" or similar nonsense.)
What might your reasons be not to upgrade to Catalina? You did not mention using 32-bit apps as one, so clearly that is not the impediment. Yes, if you are comfortable and happy with 10.14, there is no reason to upgrade to 10.15, but why not?
As you are also using Catalina on a work-issue Mac, you are able to judge better and have concluded you don't see the benefits of upgrading. That says something about Mojave! If you do not need certain features such as SideCar to use iPad alongside the Mac, maybe no real benefit. Having iTunes is a big plus despite people lampooning it in its heyday.
I upgraded to Catalina, and it works just fine as Mojave did. Perhaps just a little bit smoother graphically, but otherwise at this point there is no major reason to upgrade to Catalina if one is happy with Mojave. I miss the iTunes App Store functionality the most. Let's see what 10.16 brings.