Monkeyman8,
Here is what worked FOR ME (DISCLAIMER: My research has shown that this in-place 10.15.5 downgrade works for some, but not for others, so this is a definite "your mileage may vary" situation. Please do a backup before attempting any of this, and do your own research. DO NOT try it simply because it seems to have worked for me. I am only sharing what worked for me on my 2019 Macbook Pro (15") that was previously running Catalina 10.15.6. And I strongly believe MY primary issue was Catalina 10.15.6 and virtualization software -- the combination was causing memory leaks, which led to kernel panics, watchdog timeouts, and such. And my research showed that downgrading to 10.15.5 would likely resolve THIS issue until Apple can officially put out an o/s fix.
Thanks to a suggestion in the VMWare Community forum, I downloaded a free utility called MDS:
https://twocanoes.com/products/mac/mac-deploy-stick/
Install it, and when it launches, there is a Tools section in left-hand panel that has option called "Download macOS". Choose that, and after a couple of minutes, it comes back with a MacOS build list (I think this tool simply connects to Apple's API for build distribution). I chose 10.15.5 (Build 19F2200), and then clicked Download button. It will give you a "Busy" spinning wheel at the bottom (but nothing else), so if you want to actually track progress, go to the MDS "Window" menu (at top) and choose "Show Log". This will open a dialog window that will show you real time progress in a running log file. It took a while for mine to download & assemble (maybe 2-2.5 hours, but I have slow internet), but the end result was that it created a "sparseimage" file under "Users/Shared/macos_10155" subfolder. The log will show you the exact location of your file.
Double-click this sparseimage file (Install_macOS_10.15.5-19F2200.sparseimage) and it should open up a window with 2 folders -- "Applications" and "Library". Open up "Applications", and there should be an app ("Install macOS Catalina.app"). Double-click that app, and you should get the nice/pretty Catalina installer window. Start the installer, and after a few minutes, it will reboot and do the actual downgrade/install (mine took about 30 minutes total to complete).
After the install completed and my Macbook Pro restarted, I noticed that my touchbar was NOT visible (uh oh... what did I mess up?!), but after doing a bit of research, it appears that this is not so uncommon. I reset the SMC (https://osxdaily.com/2019/01/14/how-reset-smc-macbook-air-pro-2018-later/), and my touchbar was back as always -- no issues whatsoever since.
Again, this worked FOR ME, and all of my apps and data remained intact (and I'm now happily running 10.15.5 with no kernel panics and/or reboots -- at least for now!).