I exaggerated, for sure, but I have been encountering a ton of bugs. Off the top of my head, cropping screenshots often doesn't actually crop them (I have to do it from the photo gallery instead), on iPad OS, the dock icons for open but backgrounded apps often stops working, I've had apps crash (especially Safari), generally buttons and things not working. Stuff like that.

I haven't actually used catalina, so can't compare.