For all the mac guys out there, thought I'd share my recent experience.
BLUF: skip the latest MacOS upgrade.
I have a 2019 Intel Macbook Pro set up with a Mac partition, a bootcamp partition to run windows for the AIM system, and a large FAT32 partition for all of my data so I can access it from either OS. Worked pretty well except for losing some functionality on Mac-based software (photos uses the extended address space to catalog your stuff, I lost all of that transferring them into FAT-32 so I have 15,000 pics only sorted by date).
Before this Mac I had a 2008 iMac, and older ones from 1990 until about 2000 when my wife decided that she was tired of having one thing at work and another at home, so for a brief time I ran PCs (a desktop, a laptop for my daughter, and a netbook for my race usage with AIM). At work I still used high-end Macs until the Navy lost its mind and transitioned to PCs only back in 2003.
While I had PCs, to quote an old Mac commercial, I was "a repairman in my own home". For the entire time using Macs (29-ish years?) I had not.one.single.problem.
Until last Monday.
Before bed I finally clicked on the update notification and went to bed. Woke up, found a login error screen - something related to not being able to log in to a web service for software I'd recently downloaded. Couldn't clear that, so I used the emergency account. Once in, things just looked - strange. took me several minutes to realize that it had overwritten all the partitions. There was an icon for bootcamp in the finder, but no partition to support it. And all of my data was gone.
Now I had a backup disk - because of the fat-32 partition I just drag and drop onto a seagate 3TB drive. I've tried to use Time Machine and find it a bit of a PITA compared to Windows and it's random "go back" points (which I've had to use on several occasions). Not only that, but a drag and drop is OS agnostic. However, the updated OS would not recognize my backup disk at all.
From a racing standpoint the good news is that most of my racing files had recently been transferred to my race laptop, which is what I'm using now until the MAC comes back from the shop. On a PC, the tech would have just removed the hard drive, put it on another system and dug into the file system. Unfortunately, modern Macs have the hard drive soldered in - and not the easy soldering either - vapor phase re-flow - takes a special Apple facility to remove a Macbook hard drive - and a significant chunk of change.
Took it in on a Wednesday, heard nothing since. to some degree I figured no news is good news, because it take over 12 hours sometimes to copy these large drives. On the other hand, I have a sneaking suspicion I'm screwed. Don't know what the story is with the backup drive.
Since then I've been prowling places like the Mac sub-Reddit, and there was a lot of complaining a few months back about how buggy this update is. Then my wife was talking to her Brother-in-law, who was an IT professional for Cummins before retirement - and he experienced THE SAME THING.
Verizon.net e-mail is through my phone now, as the PC resists any and all efforts to establish a Pop-3 or IMAP account. I used my e-mail as a file system for everything, contacts, warranties, billing, etc - all gone - nearly a TB of stuff going back to 2003 - which was the last time I had a large windows crash that took everything out.