I am on my 2nd MacBook.  I back everything up the n external hard drive every 4 or 5 days ti ensure I do not lose any thing.

I di upgrade to Catalina and that caused issues.  Not all of the ads have been upgraded by the hosts so some did not work.  Also I have Office and even with the new version it will work but with Catalina I will no longer receive any updates from Office.  So I removed it and went back to the current operating system,  To get up dates to Office I will need to repurchase it.  So every this stays the same until when ever.