Good idea to remove the start-up items. Tried it, but didn't work. But that did get me thinking so thanks for that.
Here's what did work for me ... so far,
Enable the energy saver setting "Prevent computer from sleeping automatically when the display is off."
The overpaid developers in Cupertino should have caught this before they released this mess. Mine has a 1Tb hybrid drive, a known product that code-jockey's have been trying to back away from understanding since Apple release this iMac build.
End result is I'll probably roll-back to Mojave again and wait to see if a patch ever gets released. Catalina means I either keep the computer running all the time or shut down after each use - which would be okay if it was Redmond explaining why Windows Vista was such a really cool OS. So there you go. So far, Catalina impresses me almost as favorably as Windows Vista.