Same experience. Even I am on quite old comp (iMac (Retina 5K, 27-inch, Late 2015), its still 60-70% slower then on last Catalina version. Startup, App loading. Safari is the worst, takes about 10-15sec to start loading pages - but before it says I am not connected to the internet. Same on my MBP 2018.
mp_72
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Prague, Czechia