The best way to experiment with a new version of the OS is to get a 2.5" SATA SSD (it can be small and cheap, say 128gb for only about $20-25), put it into a USB3 enclosure, and create "an alternate boot drive" for the new OS.
Now you can install apps, play around with it, etc.
WITHOUT TOUCHING your existing OS setup.
I've been doing this for years.
This way, I can be sure that the new OS will actually work with the stuff I have BEFORE I install it.
I'm usually in no hurry to jump to a new OS, anyway.
Typing this on my 2018 Mac mini, which still has the original 10.14 Mojave running on, specifically so I can continue to run 32-bit software on one of the last Mac platforms capable of handling it.
In fact, as I type this up, I'm booted and running from my experimental SSD, running Monterey.
But in a few minutes, I'll just "boot backwards" into my trusty Mojave setup...