I have two modern desktops, both AMD based systems. Neither was ready for update. Both have MSI motherboards (one is a Carbon AC B450 with an R5 3600 running Home the other the X570 Unify with a 3800X running Pro). There are some commonalities, such as both use Realtek (though different) audio devices, Intel Bluetooth, and Intel WiFi. I recently had to reinstall Windows due to a strange issue on the B450 system. Unfortunately I couldn't find the 1909 install media so I installed 2004. The audio did not function. The Windows audio troubleshooter was able to fix it though (there was a problem with audio effects according to the troubleshooter). It could be the Realtek audio drivers are one of the things that may cause you to be held back. I know some GPU drivers can also be an issue for both nVidia and AMD unless you are on the latest drivers (which I was on both systems, and continue to be; given one runs nVidia and the other AMD, I'm pretty sure it's not GPU drivers in my case).
I personally really want 2004 for WSL2 for my X570 machine as it will allow me to retire some old Linux systems I keep around for personal firmware/software engineering.
I would love it if I could find out why Microsoft has decided I can't update and let me override their choice if I am willing to take on the risk. For example, this machine doesn't use WiFi; it uses its Realtek 2.5 interface. If the WiFi drivers won't work in 2004 I really don't care. However, if the audio was guaranteed to not work I'd continue to wait, as an example.