I spoke with MS Support today. They said my BIOS needs to be newer than 2019. I've tried performing a bios update, but the newest one for my HP Spectre x360 is 2019. I then went to HPs compatibility chart for the Win10 20H Release, and my system was NOT tested. I believe my system is no longer supported by HP for updates.
I even tried to download the installer and iso for Win10 20H and it stops at 31%, which is what I found others having this result as well.
Time for a new laptop.
Erok