Let's address the 32bit, 64bit issue. The issue only involves apps, Catalina does not run 32bit apps,
any files created by apps that are 32bit can be read or edited on Catalina using appropriate apps,
the docs, images, pdfs, whatever file type, are not 32bit in themselves.
As said before I have plenty of files created years ago on 32bit software on older Mac OS's and they
can be opened and edited on Catalinas 64 bit apps.
The HD SSD issue is not part of this conversation. Catalina is APFS only.
High Sierra and Mojave can be HFS+ or APFS.
HD/SSDs formatted as APFS can read and write to HD/SSDs formatted as HFS+.
MacOS's Sierra, High Sierra, Mojave if formatted as HFS+ can read and write to APFS
formatted HD/SSDs.
Mac OS X's El Capitan and earlier cannot read or write to APFS formatted HD/SSDs.
But all this talk of HDs and SSDs is besides the point and not pertinent to your
original question about CD/DVDs not showing up in Catalina.
Without knowing how your older CD/DVDs were created using which writing protocol in Toast Titanium
then it may be difficult to advise further.
I also have CD/DVDs that I know were created in MacOS X 10.2 Jaguar on a Mac G5 Tower, and Mac G4 QuickSilver
and they can all be read on all the OS's I currently use including Mojave and Catalina.
Were these older CD/DVDs made before Mac OS X came out, for example on OS 9 or OS 7.
Have you checked to see if the CD/DVD reader writer you are using is compatible with
macOS Mojave or macOS Catalina. If it is a third party CD/DVD perhaps there are drivers
that need to be downloaded and installed so it becomes operational in Mojave and
Catalina, check with the manufacturer.
Have you tried the option of creating an aliased folder to your Catalina Desktop as
described above, all you need to do there is to drag the files you want from the CD/DVD
into the aliased folder, they will then be copied directly to your Catalina drive.
All you need do is boot to Catalina where you can start doing whatever you want to do with them.