Don't confuse security patches with software/OS updates. My iMac running Catalina has the security patches installed as they come out and is up to date. Another patch just came out yesterday and I will have it installed later today. System Preferences also let me know that Safari 15 is available, so that box will get unchecked.
Also, unlike the Windows world, there are very few threats to the Apple OS (when folks here post issues you'll notice that usually the first advice given is to uninstall any anti-virus and "cleaning" software), and that has to do for the most part with the effort that Apple puts into locking their systems down. Started in ernest with Catalina, took another big step forward with Big Sur, and Monterey I'm sure will take it even further. The other thing I have always done (got my first Macintosh in 1984) is I don't visit sites that seem shady, and I don't click on links in emails that tell me my Amazon account has been suspended or that my Tax Refund has been delayed.
Keep your additional software up to date, install Apple OS Security Patches and the rest will take care of itself. And just to add, EtreCheck is a very worthwhile piece of software (developed by one of the members here). I run it once a month and save the reports. If something is amiss, you'll spot it pretty quickly.