If you have 10.14.4 running, you don't need to convert your startup drive to APFS to upgrade to Catalina.
The process of upgrading to Catalina includes the OS doing the drive format conversion to APFS on the fly.
Likewise, if you are using the Catalina upgrade installer to install onto any drive formatted with Mac OS Extended (Journaled) with GUID partition scheme, the upgrader will convert that to APFS format while installing macOS.
➡️ Download the macOS upgrade installer app:
Click > macOS 10.15 Catalina.
Once downloaded, double-click the “Install macOS…” app now found in the Applications folder to begin the upgrade.
Please see > How to download macOS - Apple Support.
❗️– IMPORTANT –
None of your old 32-bit apps will work in macOS Catalina or newer, including MS Office, Adobe Photoshop and many other older apps and drivers. This will require that you find 64-bit updates and/or replacement titles.
32-bit app compatibility with macOS High Sierra 10.13.4 and later - Apple Support
Use the free utility Go64 to check the 64-bit compatibility of your currently installed apps:
https://www.stclairsoft.com/Go64/