Catalina is bad for anyone who has a semi complicated setup. Catalina works great if you have a simple setup. That's the real gist of it. Catalina is probably workable for the consumer, or the pro, semi-pro who keeps a very basic setup. (although there were many weird bugs, like people losing their mail, etc that hit the consumer level people too)
My setup is more complex and Catalina just works badly. Was contacted by Apple directly to run betas and write reports (they saw all the panics in 10.15.2 - Apple Engineers know it's a mess). 10.15.3 was a bit more stable, but I think they broke things again with 10.15.4. How soon it will be until they fix the problems is anyone's guess. I'm trapped on 10.15.3 because I bought the 2019 Mac Pro. I'd prefer Mojave in a heartbeat!
This has nothing to do with 32bit apps, which you can't run anyway. The 32bit app issue is a 'canard.'
If you have external devices, RAIDs, or use an external drive to hold your users folder, or work across a networks Catalina is a disaster. What has worked without a problem from El Cap (and earlier) through Mojave, is just glitchy as hell in Catalina. A workstation is not an iPhone. As Jobs said cars (basic users) and trucks (advanced users). And Apple is very negligent of the advanced users. Tim Cook would be happy to just offer consumer services if he could. I hope they can get some talent on this and get their code worked out soon.