My 2 cents probably doesn't mean much as I just got my MacBook Air that was suppose to come with Catalina but they shipped it with Big Sur and I could not be happier, I wasn't sure about having it on an Intel Mac thats why I bought it as Catalina but if it is supported why not there are a lot of the latest apps I want to run, and I'll have support for a far longer time with Big Sur, this makes my Mac better than my PC it can't even run the latest software. I feel like I won the lottery with Big Sur being in the supported chain for as long as possible is never a bad thing.
Of course I have never tried Mojave, or anything other then Classic, Tiger, Leopard, Snow Leopard, El Capitan, and now Big Sur, but I like being near to the top of MacOS it's like Climbing Mount Kilimanjaro I am almost there, lol. Is it worth it or not to each his own.
I haven't ever had any instability Issues Under MacOS so far none that I have ran anyway you want instability just boot up a PC with the Unnamed OS. It has a 7 8 10 and 11 something like that. So I would go with Big Sur if I could even if I'm practically forced to which I am but I'm fine with it. It Beats Catalina.