I think Linux Mint 20 support ends in April. Are you going to use the Mint upgrade tool or do a fresh install to Mint 21 or 22? Which backup application are you going to use before upgrading?
I’ve been on 21 for some time now and I just used the Linux upgrade to do it.
Can you recommend a backup application? They all seem hard for me to understand. I have tried to use Backup that came with Mint 20 recently but have not done a restore to see if it works. It uses a compressed format and I think I would rather have a human readable format for the backup files.
I just put docs and my money app on a USB and ran the update. If it blew up I was just going to wipe the PC and install fresh.