I have had this in my iMac 2017, retina 5k, 3.4 GHz. No attachments except printer which is off and external Bose speaker which i have connected for years. This crashes started soon after Catalina (currently 10.15.1). My wife notes it 2-3 times per week when waking the computer in the morning, first thing. Called apple. They suggested safe mode reboot. Still happens. Suggested reinstalling macOS. Have not done that yet. They then suggested that it could be hardware?. Annoying.
here are 2 samples of the reports in the last week:
panic(cpu 2 caller 0xffffff7f858ecad5): userspace watchdog timeout: no successful checkins from com.apple.WindowServer in 140 seconds
service: com.apple.logd, total successful checkins since wake (140 seconds ago): 15, last successful checkin: 0 seconds ago
service: com.apple.WindowServer, total successful checkins since wake (140 seconds ago): 1, last successful checkin: 140 seconds ago
Backtrace (CPU 2), Frame : Return Address
...
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panic(cpu 2 caller 0xffffff7f8ea6cad5): userspace watchdog timeout: no successful checkins from com.apple.WindowServer in 140 seconds
service: com.apple.logd, total successful checkins since wake (140 seconds ago): 15, last successful checkin: 0 seconds ago
service: com.apple.WindowServer, total successful checkins since wake (140 seconds ago): 1, last successful checkin: 140 seconds ago
Backtrace (CPU 2), Frame : Return Address
...