I'm still on Mojave, having delayed upgrading to this point because of the apparent instability and other issues that kept coming up with Catalina. I don't feel like that was a bad choice. With Big Sur, there's a shiny new set of UI revisions that seem pretty compelling, but I wonder, are there any significant reasons to just stick to Mojave?
(I don't plan on upgrading immediately anyway)
(Note that this is not necessarily true for security vulnerabilities. As in most complex pieces of software, security bugs are guaranteed to abound in both Mojave and Big Sur.)
Other reasons to stick to Mojave for now: support for 32-bit apps, fewer confirmation pop-ups, easier kext handling (I guess?) and better AirDrop support for older devices. Also, iTunes – in case that’s your thing.