Actually, the MacOS version in the Mac App Store *is* the combo update. You can "get" it from the store, but then you cancel when the prompt to start the install comes up. Here's a link for a clean Mohave install that gives the full instructions http://osxdaily.com/2018/09/26/make-macos-mojave-boot-usb-installer/I'm stuck at 2.14GB of 3.42GB - About 10 hours remaining
I do not see it yet. https://support.apple.com/downloads/macos
It should work the same for Catalina - or you can find an update to the article. I used this procedure a number of times, and it works perfectly for me. You do, however, need to run a command from the Terminal app.