If your question was whether the inability to upgrade beyond Sequoia was actually "Will this become a problem for updating my Mac apps?", the answer is "Yes."
Some vendors like Microsoft and Adobe have a policy of supporting only "the most recent three". At the moment, Sequoia is the most recent version of macOS, but when Apple releases macOS 28 in fall 2027, Sequoia will fall out of that list.
If you look at some of Apple's own applications, like Pages, Numbers, and Keynote, current versions now require one of the "most recent two." That might suggest that you could stop getting updates for those sooner – maybe even as early as the release of macOS 27 in fall 2026. (Also that you should grab whatever updates are available while you can grab them.)
Then there are applications like Firefox, LibreOffice, and the Affinity V2 applications (Photo, Designer, Publisher). These will run even on Catalina, which is five major versions behind Sequoia. So you might be able to run current future versions of them on Sequoia even after macOS 30 comes out in fall 2029. (No guarantees, but it would be surprising if any of these developers suddenly decided to support only the "most recent three".)