In general, I advise most people to wait until a X.1 release of any OS upgrade before taking the plunge, but in the case of Catalina, I’m seeing lots of reasons to wait.
Licensing code isn’t quite ready for Catalina:
https://forum.literatureandlatte.com/t/a-note-about-upgrading-to-macos-catalina/47155/1
Kindle Gen isn’t compatible:
https://forum.literatureandlatte.com/t/kindlegen-not-compatible-with-catalina-os/47402/1
MathType isn’t 64 bit compatible:
https://forum.literatureandlatte.com/t/scrivener-mathtype-and-catalina/47414/1
Window resizing weirdness:
https://forum.literatureandlatte.com/t/comparison-to-other-word-processors-and-writing-tools/68/1
Word count issues:
https://forum.literatureandlatte.com/t/word-count-no-longer-working-after-catalina-update/47411/1
Bold keyboard shortcut issues:
https://forum.literatureandlatte.com/t/recent-mac-os-catalina-update-stops-toggling-bold-unbold-when-using-command-b/47410/1
… and that’s just Scrivener (or related for a subset of Scrivener users). There are all sorts of other 3rd-party programs that are having issues or just don’t work with Catalina.
Do what you want, but I’d advise waiting until Lit & Lat provide an official update that you can install at the very least.