In actual practise, it is really not that big of a job. Many people, being new to MacOS systems, find it a humongous job to Create a Bootable macOS Catalina Installer Drive from Windows. Nonetheless it's critical to have a backup of your data available just in case something goes haywire. Reinstallation will only install a new copy of a system and it will never change any settings of your macos and never delete any data from your computer.
If your mac catalina computer fails to boot due to the hardware failures, file system issues,software failures or can't boot after macOS update, and you have tried many attempts but cannot troubleshoot, these startup problems, then you have to reinstall your macos catalina as this is the only solution.
You can of course download the macOS Catalina installer from mac app store using each computer, but already prepared bootable USB drive helps you during immediate emergencies, like when you are in an office or school without device management groups. If you have multiple Mac computers to boot, then having a bootable USB drive in possession is quite handy. There are many occasions when you need a macos Catalina installer drive.
