Also, their edge caches are awefully throttled on large downloads if your ISP has one installed. The Akamai CDN performs a lot better. I ended up switching DNS servers just for this.
If you have more than one Mac or iOS device I'd suggest setting up one of your Mac with content cache enabled.
The install itself always takes 20 to 30 minutes or so.
I won't give exact technical reasons, but each update since APFS was made default is few GBs
It has to update two OSes now, not just one.
(Unless there’s too many system files that are updated a lot and not sealed?)
FWIW, APFS snapshots do at least provide an instant rollback mechanism, whereby a failure to install and sign the updates to the new temporary snapshot do not destroy the previous system. So what you describe seems reasonable and potentially feasible.
It is an unpopular opinion on HN but I have been saying this for quite some time. The old days we were optimising for file size and transfer speed. Making sure you get a smaller download size ( compressed ). That was when Bandwidth were expensive, both in Datacentre and in consumer last mile. Nowadays we have abundance of capacity and we get 100Mbos if not 1Gbps internet, the actual download happens in the background. We should be optimising for total installation time over bandwidth savings.
macOS is sluggish, now, even on day #1 of a purchase.