Probably would be preloaded with Sequoia still. (From recent experience, I purchased a CTO custom configured iMac and it was not recently updated, the OS version was at least several months behind).
For macOS you can downgrade; it’s not blocked like it is for iOS and iPadOS. However it requires erasing the OS and reinstalling—easiest methods being using another Mac or create a bootable USB media. You cannot use Internet recovery in macOS Recovery mode though, as this will always use the latest compatible version.