I am in the minority here, but I feel like Apple has kind of skipped the last couple macOS updates. I get there is a lot of changes going on under the hood, but to a user like (again, minority, not much intensive work) me, it just seems very bland lately. I decided to retire macOS and use iOS only moving forward. Maybe with the changes instituted the last couple years, there are larger changes coming in the future.
I would say they are more than refinements - they are substantive under the hood improvements to enhance speed, stability and security. There have also been a series of updates to key applications including Notes, Photos, and iWork.
There is only so much you can do with the UI on a desktop. Personally - and this is only my opinion - MacOS is a great refined desktop/laptop/workstation OS. I am not a big fan of wholesale user interface changes too often.
Windows 10 has not changed a whole lot and no need to.