I'm not sure how that reply is helpful.
Since my user account migrated from before the Catalina upgrade it continues to use bash - Only accounts created after the upgrade to Catalina use the default shell, zsh.
The document referred to discusses how to change shells to zsh in earlier (compared to Catalina) versions of OSX
Starting with macOS Catalina, your Mac uses zsh as the default login shell and interactive shell. You can make zsh the default in earlier versions of macOS as well.
I don't want to do that, I'm already running Catalina so the document isn't applicable. I therefore follow the details given when opening a bash terminal:
The default interactive shell is now zsh.
To update your account to use zsh, please run `chsh -s /bin/zsh`.
I did that and the system crashed. Twice.
Since then I have used the method listed in the referenced document, using System Preferences/Users and Groups and changed the shell there.
This doesn't seem to have caused any problems since doing so, but the instructions are misleading, so it looks like using the System Preferences method does something extra and above using the chsh method.
Therefore the instructions from Apple were wrong in my case - I'm sure others have used chsh without problem, or my system crashes were a coincidence - Unlikely in my opinion - I've _never_ had my MacBook crash like that before. Maybe once in its entire lifetime I've had to power off. Twice within a few minutes and the system re-booting itself with an error message is a very new experience for me.