When it comes to Mint, I honestly don't see why you would feel the need to hold back. Mint 20.1 is based on Ubuntu 20.04, which is almost a year old. That means that most software is on a year old versions, with a year of bugfixes and security fixes applied. I suppose the only thing that might be less tested would be the software that the Mint people make themselves, which is just the Cinnamon desktop. But all the core components that your computer actually runs on is well tested. Even the repositories that Mint use is Ubuntu's software repositories. Mint only has one "Mint" repo which contains the cinnamon desktop, and some other software. So in my opinion at least, there is no need to worry about a Mint update. Every new Mint release, is already an old Ubuntu release, especially when you come to the dot releases, as in 19.1 or 20.1.