Returning later, I had multiple kernel panics. My day was severely impacted damaged by this; I made one backup but cannot finish the others without crashing.
The credible word on the street is that a number of users are seeing kernel panics from what is likely an Apple XProtect (security system) software bug.
MPG has long recommended waiting 6 months for a major system update. That recommendation is now extended to include waiting at least 2 months before proceeding with a minor update.
XProtectPlistConfigData: Version: 2163 Source: Apple Install Date: 2022-1107, 12:29:49.000