There is a lot of Software that is as old as Dirt. Surprisingly, so still work today, on today's modern Operating Systems (20yrs newer).
However, the Operating System should be chosen to 'Run your Applications' (let that read choose the Operating System that BEST runs your Application).
If you have an Application that was designed to run on Windows XP, run it on XP, if an Application was tweaked for Windows 10, run on W10.
The solution is to use some form of Virtualization (Virtual Machine) or Multiple [Physical] machines.
I personally use Windows 2019 Server, every primary Application I use runs on the OS, except one. It's so important to me, I've downgraded my Primary System OS to Windows 2016 Server (like going from Windows 10 back to Windows
On the Mac side there is still plenty of very important software that is not 64-bit, that folks still need. And he same Choices have to be made.
Personally, on the PC side we have a Single Chip with 32 cores and a current Platform that supports 128gb Ram. It's a piece of cake for me to fire of a Windows XP Rip and use that machine as a Print Server, where its' only purpose is to drive a 32-bit Windows XP Rip, controlling an older Printer.
...And run any other setup I need, without breaking a sweat or missing a beat. (I even run two MAC OS machines (Mojave for 32-bit compatibility) and Catalina for Latest and Greatest)
Oh, The Platform also has PCIe Gen4, giving better SSDs 4,900 MBps Read Times (read as incredibly fast storage to keep up with the Read/Write disk need of multiple machines)
Today, you can have it all; if you want.
But I'm sure you just want that machine to do everything you think it should do and you would like it to do.
This is just something to think about, while you are waiting.