I'm considering upgrading to lastest LTS even though my LTS version works fine. Wondering if those security patches are worth the upgrade.
I just upgraded and I would suggest to wait for another month. There are some repositories that do not have 20.04 support yet (e.g. TeXLive, MikTex). And I also noticed that Nautilus doesn't feel 100% smooth as before (e.g. it crashed on me, when I ctrl + c a file inside and archive).
As others wrote, the security is not significantly better, so wait if you can.
yes! you should upgrade to latest version , because it is much smoother and better. UI is decent and kernel 5.4 causes faster boots. But here take a note....in my case i upgraded from 18.04 LTS to 20.04 LTS , and now i am experiencing UI glitches...and some lags...so my straightforward suggestion would be to have a clean install!