Back when Mint 20 first deployed, I tried upgrading using the Mint official procedures. It broke the system, probably around Python 3.
This forum offered supportive comments that there was nothing wrong with staying put, if I did not want to try a clean install.
So now, the geekosphere is abuzz with reviews and tips around 20.2, code name Uma. But I am quite content with Mint as it is, and seriously shy about messing stuff up again. My first and strongest inclination is to stay. If there is any reasonable likelihood that my previous Python issues may be resolved with the new one, it MIGHT be worth the 3 hours of my time to try again.
As for a clean install, I think I would prefer waiting for 19’s end of life or other indicators of obsolescence.