That's fine for you. But I sure don't want to risk any "left over" issues from ANY prior versions of the Mac OS. For example, if one "only" updated from El Capitain to Sierra to High Sierra to Mojave, there could be a lot of "left over" and unwanted items from any of those versions of the Mac OS prior to Mojave. And now if one does it again to Catalina, another OS, Mojave, would be in that problematic mix.i used to do clean installs... now i just update. and can't say i have any issues with the simpler procedure. the 12-step program above further convinces me that an update, ultimately, is a perfectly-fine thing to do.
Along with that, if one does not do very much (or as some folks do, none at all) disk cleanup/maintenance, that just makes the update process potentially more problematic.
I'll stick with the clean installation. As it is, the downloading of the new Mac OS and copying of it to another location is something one really needs to do no matter if they do a clean installation or an update. Also, I always, usually on Saturdays, go through the sequence of running Onyx and TechTool Pro, and then doing the backups. The only real extra steps are 1) booting to that SuperDuper! backup, 2) using Disk Utility to Erase and Format the internal SSD, and 3) doing the actual clean installation of the new Mac OS, along with the subsequent migration of needed information. I do understand the "attractiveness" of the update route, but as usual, doing things the longer (and not as convenient) way can be more beneficial. And of course the ultimate clincher is that I wind up with a clean system, with no issues.