High Sierra was the first to implement APFS drive formatting. I believe it was optional but on later OS versions it was required. APFS post-dates El Capitan which means if you attach an APFS drive to El Capitan it won't recognize it. So yes, this will be a problem unless when using El Capitan you do not care about using any files on the Catalina drive.
Okay, now it could get horribly complicated because there are all kinds of options depending upon what you want to do in terms or partitioning and using files on which drives etc. In my case I have dual boot. High Sierra is my main system and is on an external APFS SSD. My internal drive is now a data only drive on a HFS (old Macstyle) HDD. I also have a Mojave partition on the SSD but I only have that for using to backup my iPhone, nothing else. I also have a folder on my internal where I put applications to be used by any system to which I boot. Okay, actually I also have an El Capitan partition on the internal drive just in case something I have doesn't like High Sierra. I keep it on the internal because although the SSD is faster, my understanding is it works better with APFS but El Capitan would require HFS and that I use on my HDD because APFS can he hard on HDDs.
If I boot to El Capitan and want to go back to High Sierra I have to hold down the option key while booting because I cannot choose HS from the El Capitan startup preference pane because it does not see HS on APFS.
Okay, I'll let you ponder all that. :-)