Same happened to me did not install after 2 hours and no progress bar movement. I just shut down the computer, re-started and then went to software update again, it recalled 8.5 GB of the previous download and then re-downloaded last 1.06 GB and installed fine.
djm1960
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Same here, also cannot unlock the user and accounts preference pane. Filing bug report. Will have to revert to Catalina.