If you are currently running MacOS Catlina - either through upgrading an existing Mac or on a recently purchased Mac machine - then you should upgrade. These additions are geared not towards extending Catalina but solidifying the changes to the operating system. On top of the “various bug fixes” and security patches, MacOS Catlina 10.15.2 adds in three notable features: You can check which of your existing apps are 32-bit by clicking on Apple Menu > About This Mac > System Report > Software > Application and check if they are 64-bit or 32-bit.
And of course anyone reliant on 32-bit applications have to check in with the third-party developers for an update as it has been Apple’s stated intention for some time. At this stage it doesn’t appear that the larger issues - such as sync issues and problems signing into iCloud - have been addressed.