I have researched and fixed my own with the two-step process.
Step 1: Find out if your "Windows" system drive is GPT or not via Check if Disk is MBR or GPT in Windows | Tutorials (tenforums.com)
-- if your Windows drive is MBR, you will need to convert it to GPT. Google is your friend for this.
Step 2: If all drives look GPT and your still not getting the 'upgrade assistant' (https://www.microsoft.com/software-download/windows10) to let you start 20H2 update, than you are like me, where the GPT 'table' (?) gets hosed up and you have to boot into 'safe mode' command line to run "sfc" with special parameters. There's a thread on that: How to Fix a No Bootable Device Error on Windows 10 (helpdeskgeek.com) Look for the section "Scan for Corrupt System Files Using SFC" and pay attention to the drive letters. In this case there is SOMETHING that re-assigned drive letters to UEFI and you need to fix that with the steps they show for using the option /offwindir and /offbootdir to set YOUR correct drive letter.
No re-install required if this is really the root cause.
Good luck.