Read all the comments in response to this post as of August 5th and did not see any information on my question but glad to see I was not the only one having an issue with this update. Today 8/5/20 is the
3rd or 4th time of me trying to update. At this moment it finally got to Downloading - 99%. Can anyone tell me what happens next after Downloading says 100%. Does it have to install and reboot? I am guessing I will leave laptop on this time until it is done.
The 1st try I had gotten an error message and will I looked it up online said means files are missing. The other times, it was just stuck like it is now and I finally shut off laptop and went about the rest of my day.
First step is patience: If you haven't actually received a failure let it run (which you said you're going to do) but you get 0 savings from restarting the process so might as well let it go till it's done.
As for the first question: After Downloading you will get an Install part within that same Windows Update tool *pre-reboot. That's actually where I spent the vast majority of time in the first Phase (you probably just have a much slower internet connection
than I do). "Installing" took many hours.
Once the Windows Update "app" Phase is over (You click the Reboot button) then you move onto Phase 2 which is in that "not in the OS yet" green screen saying windows is updating with a percentage. This whole phase took me 14 hours and was roughly the same
amount of time if not a bit more than the "Installing" time I spent in the app. SO if you're just getting done with "Downloading..." you've got a long ways to go but at least at that point you shouldn't need an internet connection anymore.