ok I tried updating from catalina to BigSur and it went good until there was just less than a minute remaining. First, it downloads Catalina (i guess it downloads, cause it needs internet for that as it mentions), then Mac restarts and starts with Apple icon and shows the remaining time. The installer boots, goes through the process and stops at 'Less than a minute remaining.
Catalina stuck less than a minute remaining I decided Catalina was to old for me so I tried to upgrade to big sur.