Well this is it, I've sent back my 3rd macbook pro 2019 16" with AMD 5500M on 10.15.3 and am awaiting my fourth. I requested a different sized nvme drive this time though, I'll have to pay slightly more on top but it ensures I'm getting a brand new machine, not a refurb. So will take a little longer for return.
Anyway as advised by Apple Support, I backed up my machine. I used Carbon Copy Cloner to make a 1:1 bootable backup that will work on other mac devices (20min, 300gb). At this point I don't trust Apple software. I made a Time Machine backup that took 5 hours for the same 300gb backup! External usb-c SSD.
Testing the Time Machine backup from my 2019 macbook on my 2016 macbook, it doesn't work 😂
Lucky after what I would call client abuse from lack of Quality & Testing I had the foresight to use a different backup software.
Here is an article on the Time Machine 10.15.3 bug, which is quite important information considering a lot of people in this thread are backing up on 10.15.3 and won't know until they get their replacement that the backup was a dud:
https://eclecticlight.co/2020/02/12/time-machine-in-catalina-10-15-3-has-serious-bugs/
At this stage, this is a complete joke and a great example of why companies try to keep product failure rates under 1%...if it goes to 2% or above, suddenly all the people with bad luck (like in this forum) get all the issues.