It’s insanely buggy. My wife has two user accounts, one for her work and one for everything else, so she can switch out of the work user at the end of the day to put it out of her mind.
She comes across bugs on the regular that I’ve never seen in 16 years of Mac use, but only when the other user account is logged in (i.e. quick user switching rather than a full log out).
Stuff that user accounts shouldn’t even make any difference to, like the menu bar disappearing or rendering too far up so it’s half off screen. Save dialogs stop appearing. Windows that are open but appear to be rendering off screen somewhere. It’s wild. This is on a < 1 year old MacBook Air running the latest OS. It’s an absolute shambles.