I certainly won't tell you what to buy but I can offer some helpful things. First, consider how important portability is as it relates to your typical computer needs. Second, how important is sheer computing power. Third, do you have mission critical software that cannot be upgraded to work with Catalina. Fourth, what is your budget.
- If portability is a critical need, then only consider laptops. Otherwise, a desktop is better for fixed location needs.
- If sheer computing power is a critical need, then the desktop computer is the better choice.
- If you have mission critical software that cannot be upgraded to run under Catalina or is not well-supported with respect to upgrades, then a new computer may not be a good choice unless the mission critical software can be replaced by newer software that will be compatible and supported.
- How much money do you have in your budget.
It's not easy trying to figure everything but you can make a three column sheet with important considerations, needs, and wants in the first column. The next two columns are Laptop and Desktop. Then go down the list and putting a checkmark in the laptop or desktop column that indicates which provides the features needed for that consideration. The type of machine with the most checkmarks is the winner. If you think you can put some kind of numeric score for how well each machine type serves your needs, then put a score instead of a checkmark. Add up the scores. The machine with the highest score is the winner. I think you get the idea.
If you have a really big budget, then get one of each. I prefer this option because if one machine is down for repair, you still have another one to pick up the slack. I keep the desktop and laptop reasonably synced so that one is pretty much the same as the other. Some would call this another form of backup. I have multiple backups for the same reason - redundancy in case one backup fails.