I've been dealing with this same issue since release day of iOS 13 and Catalina. Like others, I've tried everything:
- Repaired library
- Deleted main library and then re-downloaded the entirety of my iCloud library
- Signed out of iCloud and back in
- Gone through every video, slow motion, etc.
My library is synchronized to multiple machines, all running Catalina. On some its on an external SSD, others its on the internal drive. Some are optimized, some have all images downloaded. On every machine, the progress bar has stopped at the same point. Additionally, my iPad Pro, iPad mini, and iPhone, are all stuck at the same point.
On a whim, decided to open another photo library that contained more photos and videos than my iCloud Photo Library....it finished curating in less than 8 hours.
Since I have the space on one SSD, I've decided to duplicate my iCloud Photo Library and see if it curates. If so, that would help isolate the issue to some sort of communication with iCloud. I'll report back on my findings.