Don't Install If Your Situation is Fluid
Are you trying to get home to weather the Coronavirus? Are you a first responder that uses your Mac? Are you unable to spend time on the phone with Apple if something goes wrong?
If you answered yes to any of these questions, you should wait to install this update until a later date.
Yes, things will likely work fine, but it takes a while to install the update and there is a chance that something could go wrong. The last thing you want to deal with right now is waiting an hour for an update to install, finding help with Apple Stores closed or dealing with apps or services that aren't working.
Just wait we know it all works and you'll be better prepared to handle any problems.