10.15.5 will be out next week (or the one after). I find the last beta to be quite stable.
Yeah, I was going to suggest waiting until V10.15.5 is released.
Myself, I did not "move" from Mojave to Catalina until
all my third party applications were compatible with Catalina. Because of that, and Tech Tool Pro being the last to provide an update, I did not move to Catalina until V10.15.3 of it had been released. By that time, just about all the bugs in the initial releases of Catalina were fixed. I've had no issues at all with Catalina, and I'm now on V10.15.4.
The key is to make the proper preparations for the move/upgrade. Myself, when I move from one OS to the next, I always do a clean, fresh installation of the new OS, then migrate/copy all the necessary files, folders, settings, apps, etc. from a just completed SuperDuper! backup/clone. Of course, prior to that, as I mentioned above, I had already insured that all my third party applications are compatible with the new OS. That has always worked well for me, and I have never encountered any issues with such a move. (When I upgraded from V10.15.3 to V10.15.4, I just downloaded and applied the OS 10.15.4 Combo Updater. I will do the same when V10.15.5 is released (should be real soon)).
For some individuals, there are some 32 bit applications that they
must use, without a 64 bit alternative. For that case, of course, it is best (and mandatory) to stay with Mojave. That was/is not the case for me, but certainly understandable.
If you are going to move/upgrade, you should at least take the following steps:
1. Insure that all your third party applications are compatible with Catalina. That might mean the need to download and apply updates to some of these programs, or like in the case of Onyx (there might be others), downloading a Catalina-only version and installing it after the upgrade/move.
2. Do as much disk cleanup, maintenance, and repairs as possible. You can do a lot of disk cleanup on your own, and there are some excellent programs available to help you with those tasks. Myself I use (and rely on) Onyx and Tech Tool Pro for those tasks.
3. Make a final backup/clone with your "clean" Mojave system, using either SuperDuper! or Carbon Copy Cloner, to an external device (preferably an SSD).