Rob, I share your general disappointment with recent Mac OS "upgrades." The question is no longer "what's improved," but rather "what have they screwed up this time." For a while it was printers, now it seems to be APFS and 32 bit apps. I very hesitantly went to Mojave from High Sierra on my Mac Pro 2013 and MacBook Pro 2016. Nothing bad happened! I use the current Adobe apps, Photoshop and Lightroom Classic, and print on an Epson 3880 and they seem to be just fine on Mojave. My SSD in the Mac Pro is fine and my photo data is stored on spinners in a RAID 5 in an OWC Thunderbay.
Microsoft Office 2011 is the only 32 bit app I use often and I realize that Numbers will open Excel spreadsheets, and that Pages will open Word documents but still like the old programs even though it would not be too great a hassle to update to the current Office programs. I'm a retired bum and have reasonable resources but still hate to waste money on upgrades I don't need. Catalina is a different kettle of fish. If you're an Apple skeptic, read Lloyd Chambers' screeds on what he calls "Crapalina." Even though he can be a bit over the top, he makes some good points. I can see no valid reason FOR ME to go to Catalina at this time or the recently announced Big Sur, though I like the name. I think you can safely go to Mojave but I can see no compelling reason to do so.
Some folks blindly plunge ahead with whatever is new, sometimes even before any of the issues have been known and certainly before they are resolved. I like to wait at least a few months, or even longer, before committing to a new OS. Let others suffer the growing pains, (even though it doesn't hurt to grow.)
Be well and be safe.