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No way to tell for sure without knowing how old the stock is, though since Catalina has been out for a few months now I'd assume that's probably what it has.
 
Sometimes they are a bit behind. usually whatever was out at the build date.
 
is there any difference?
BTO often means it is ordered from the factory. In which case it will be loaded with the latest OS. While standard builds and some popular BTO options may be existing stock which were manufactured before the Catalina release date.
 
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is there any difference?
If a machine is built to order, the current OS is likely installed on it as the machine is being serviced anyways. If it's a standard config, it could be old stock from Mojave days. This has always been the case. Apple even makes this clear when an OS launches
 
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Like Forrest Gump and his box of chocolates, you'll find out what OS is on it when you open it up. ;)

My advice, take it for what you paid for:
If it's Mojave, stick with it a while and disregard the prompts to "upgrade" to Catalina.
Too many gripes and complaints about the new OS, as of yet.
 
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Yup, and I think that is good advice. Kind of why I asked the question in the first place. Fingers are crossed for Mojave.... I will know tonight!!!
 
Just to close the loop if anyone cared... it was Mojave. But not sure if that was good or bad. I could not get the Windows Migration Assistant to work AT ALL. Tried with wired ethernet to both... and also direct ethernet between the two. Neither option worked. I imported my iTunes library which went smoothly except my playlists do not work.
 
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