macOS Catalina has been patched a few times, but we are still recommending holding off. Catalina is a major change to the Mac operating system as it is now focused on 64-bit programs, meaning your older apps will no longer work. If you have been seeing those "your app needs to be optimized" messages, then those are the ones that will not function in the new system. Take close inventory of your software before upgrading.
We have been on Catalina for a while now, and there is a lot to like about the new system, especially under the hood. The ".1" release fixed a lot of issues, but if you haven't upgraded yet, then waiting for the next ".2" patch may be the way to go.