Sorry for being incognito.. appreciate all the feed back.. here's an update...btw its a 2019 iMac that came with Catalina so all the recovery modes would not downgrade to Mojave.. There is no T2 chip on this model..
To answer the "move ahead" question.. eventually, but not being "forced to" due to the 32 bit cut off.. lots of earlier software versions that would need to be "repurchased".. so yes moving forward is in process but gradually..
I DID get it to install Mojave on the "main" partition--{I say "main", because I partitioned the 2TB fusion drive into 3 separate partitions with the intent of putting 3 separate Mac OS's on it.. Catalina, Mojave, and Snow Leopard}
After hours on phone with Apple and working through numerous methods, it happened.. on one recovery attempt it sent me to Mojave, don't ask how, but it it did.. I think its because I had to erase ALL the APFS drives/partitions that showed up on Utilities- "Show all Devices" View to OS journaled.. at first I did only 2 out of the 3 partitions thinking I could keep Catalina as the main OS and dump the other two OS's on the smaller OS journaled partitions.. but that did not work as noted above.. I did the install of Mojave on the second partition and it worked great and then reinstalled Catalina on the the Main container/partition as the main OS.. both partitions worked "ok". Catalina was a little lagging and would "glitch" a bit-- you could tell it was not running smoothly.. so I decided to to rewipe that main partition and make Mojave the main OS on this 2019 iMac.. its up and running smoothly.. I had a few more calls with the Apple senior techs, they were a little surprised that it was able to work.. but were more than happy to assist..
One issue I'm working through now is, that for some reason the Main drive will not let me make any changes to it unless its "authenticated", which is a pain even time I need to move/delete files... I have worked through all the work arounds on this including terminal and changing the "root" user settings.. Apple Senior techs rans some diagnostics and sent the info to their "engineers".. still waiting for a reply..
Also still trying to get Snow Leopard on that 3rd partition, but that does not seem to be a viable option..{I have some earlier legacy programs it would be cool to keep, and it would kinda be cool to pull this off}.. I have a bootable SL thumb drive, and an actual install CD with an external CD/dvd drive, but she won't boot off either of them, it freezes at the apple or just remains a black screen.. Apple techs seem to think it should work on paper, but of course there is no support on this type of idea...I believe the issue is with the drivers.. wondering if there is a work around on this.. {and of course Apple won't/can't support it, but talking in depth with some of the Senior techs, its kinda a cool idea}.. ;-)