I came here before after my macbook pro int ssd would not boot and refused to erase and re install when it was the correct advise from the get go and believe me i had conspiracy theories lol 😂
well. Its like this, use time machine or ccc to clone whatever, always use ext ssd or hd for your projects, icloud is enough to save everything else unless your downloading tons of videos or large files to your desktop and adding this to icloud,
anything goes wrong you can always boot in recover (command + r) then disable system integrity to reboot in-safe mode but even this was a waste of time for me, as soon as i wiped the internal drive , re installed catalina and let my user sync from icloud all was fine...i had issues installing catalina on a ex ssd, wasted a week trying to solve this thinking if i installed it to the int ssd my data will be wiped, after i decided to just start clean i realized catalina kept my data on a separate volume apart from the system...
so the whole time i was going through this for over a week i tried finding out what it was etc and i found nothing but conspiracy theories about why it happened, its true users where about all this when they upgraded to catalina because the early beta was working side by side with 32bit apps...no one even suggested it...
so start over clean, figure out which version runs best and download it, you wont regret it, until you want a new app that is not compatible and buy a new machine.