I kinda know what will get me according to past examples with Intel Macs.
I sit on latest macos but refuse to do macos26 because nerfing is real. So since i sit on a previous macos, there will be day when it will be an OS issued many years ago. Simply put my old intel mac stopped opening web pages in safari, my software updates started requiring newer os or new installs were totally for newer os.
I hacked it by using chrome, but two years later that thing needed to update to open my banking apps but the update required newer os.
That is when i got a new laptop, even though the last one never glitched.