That's all I wanted to know is if I can still use xcode or if it will require me to update to the very latest OS.
Just start developing and enjoy the ride, I'd not bother too much in any way that <maybe> in the future you may or may not be able to use a specific set of new features of an OS or IDE.
If you want to pay your bills by being a dev, you'll appreciate sooner or later that a stable, reliable and highly available development infrastructure and environment is way more important in order to deliver your products than having the latest IDE, OS and hardware at hand. Many times these come with restrictions, uncomplete feature sets, have major issues and lack stability and enterprise readiness, preventing you getting your stuff done.
Keep in mind that a large number of your future customers itself also may not have installed or have access to the very latest soft and hardware, why limit your prospective user base?
In the last decades being in software development from freelancing, large system integrators, off/near shore sourcing partners, to big groups in different roles, I've rarely seen being dependent on the very latest software apart from proof of concept work, explorations or strategic projects.
E.g. the enterprise group I am currently employed with, we are still on Sierra and Xcode 9.3 for iOS and MacOS development in a managed environment. We <may> unit and regression test against Xcode10 with build targets for 10.14 and iOS 12 on specific Mojave environments once Apple is near GM release to make sure applications will not break for users running the latest OSes.
So it's many times more important to ensure upward compatibility and remove deprecated stuff than actually using new features.
If you plan to do multiplatform development you most probably may need to leave Xcode anyways or just use xcodebuild.
Of course above won't apply if your product ideas are dependent e.g. on the latest core AR or ML technologies to bring out that one killer app using specific shiny new features.