Staying one point release behind is weird isn’t it? I get staying a major release behind, Apple’s x.0 releases are often pretty rough so it might be worth staying on x-1 for a while. But point releases mostly just fix the stuff they broke in the major release.. Would you really upgrade from 18.5 or whatever to 26.0 when Apple releases 26.1?
Point releases for macOS can be pretty large over the past several years - what often makes sense is waiting a few weeks to upgrade in case there's a .1 patch.
e.g. macOS 15.0, 15.1, 15.3, 15.4, 15.6 and 15.7 all had .1 patches within a few weeks of release.