Yes, it is considered the orthodox (safer) method to go the USB, wipe and install route, but you probably will need a USB 2 hub or a wired keyboard and mouse to get through the slow (glacier class!) setup Apple runs you through with that method. I did it using the OTA upgrade method, and it was painless and I have noticed no issues. That was on a iMac 15,1 with a relative simple system, only a mail client and Office 2019 installed. YMMV if you have a complex setup, audio or video software, etc. You can always make the USB, do the easy OTA method, and if it doesn't work out, punt and do it the old fasioned way!