jeffreythefrog wrote:
but here's the rub. my machine shipped with Catalina, so Mojave should have been a no-go. but I have seen others here saying that you may be able to download the macOS prior to the shipping version if the Mac was available with said version when first manufactured. and the 2019 27" iMac could have been had with Mojave when first built.
If the specific Mac model existed before the release of an OS, then as long as there were no changes to that model, then it can run the previous OS. For example, a Mac, lets call it model A is being sold with Mojave in July and this exact same model A Mac is still being sold after the release of the next OS which in this example would be Catalina, then the model A Mac can have macOS Mojave installed since the hardware has not changed since July. Now if Apple releases a slight update to model A at the time of the next OS release, that model will only be able to run Catalina and that model will have a new name such as Model B in our example. Model B cannot be downgraded to Mojave, because Model B never ran Mojave no matter that the difference between Model A & Model B may be ever so slight such as a slightly faster CPU.
As far as creating a bootable macOS installer, this can only be done using a Mac which is compatible with the OS you are trying to create (aka a Qualifying Mac). There are a few older installers which are now available to be downloaded from outside the App Store....these installers can be downloaded using any computer, however, you will need a Qualifying Mac to run the included .pkg file to extract the real installer into the Applications folder. It also appears you may need to use a Qualifying Mac even to run the Terminal command as I cannot create any older macOS USB installers on an M1 Mac even though I have the full installer app available. Even though I downloaded Catalina on an older Mac and stored it in a .dmg archive so I will always have access to it, I cannot run the Terminal command "createinstallmedia" while on an M1 Mac which can only run Big Sur or later. I don't think this is an M1 thing, but just more of the needing a Qualifying Mac to do the job (silly that Apple makes things so complicated & difficult since everyone does not have access to another Qualifying Mac).
To create a bootable macOS 10.15 USB installer, the OP will need to use a Mac from 2012 to 2019. There may be an exception or two so you can use the information in this article to identify exactly which Macs are compatible with 10.15 and use one of them to download & create a bootable macOS USB installer:
https://eshop.macsales.com/guides/Mac_OS_X_Compatibility
Of course the OP has several other options. If they have access to a Qualifying Mac for macOS 10.11, then they have more options available to create a bootable macOS 10.11 installer as that generally requires a Mac from 2008 to 2015. Or if they can boot into Recovery Mode using Command + Option + R, then they can reinstall macOS 10.8 Mountain Lion in order to get a booting Mac, after which they can access any of the later macOS installers up to & including 10.15.
Also, the "softwareupdate" command may not have access to all the options for downloading the full macOS installer on some older versions of macOS (on some it may be available, but it is not noted in the help/info for that command).