Reverting to El Capitan from (current) Catalina
I have a new (to me) Imac. It is running on Catalina. I have decided I want to revert to El Capitan. (I have several reasons). It is proving difficult. I have an installation copy of El Capitan on a flash drive, but when I go through the install process I am not given the choice of installing it on my main hard drive. Rather the computer offers to install it on the very flash drive it is coming from. Some have said I should format the computer first. But what if they are wrong, and I can't install El Capitan. Then I won't have a running computer. How, step by step, do I revert to El Capitan. The imac is a 2013 model. Thanks.
iMac 21.5″, macOS 10.15