If it is not processing after that length of time there are possible issues to explore >>
Point # 5 - The upgrade will require a quick, stable and reliable Internet Connection - preferred method is via Ethernet Connection.
Point # 6 - If using Wifi - move computer as close to the Access Point / Router and disconnect all other devices connected to Wifi. Want the maximum bandwidth for the computer being upgraded to Monterey
Point # 7 - Commercial VPNs should only be used if Mandated by Corporate Head Office for working remotely. Otherwise - ones Privacy and Security touted by the VPN is suspect.
Point # 8 - If downloading Monterey from behind a VPN it may increase Packet Looses and an incomplete or corrupted Installer.
Point # 9 - AntiVirus Software should be removed as per Developers Instructions. They are unneeded, cause havoc and interfere with the normal operation of the OS including the download and installation of Monterey. The The Built in Security is all that is required. There are no known Windows-like Viruses in the wild that self replicate and affect macOS because of the underling UNIX Foundation and Permission Limitation.