How to do in-place upgrade
https://www.bleepingcomputer.com/news/microsoft/using-windows-10-in-place-upgrades-to-fix-windows-update-issues/
To install new cumulative updates, Windows 10 feature updates, or out-of-band updates, Windows users rely on the Windows Update feature to properly update their computer.
In some cases, however, some folks have noticed that the update fails with an uninformative error message almost every month. Even those who have successfully downloaded the update have hit trouble during the installation process.
How to do in-place upgrade
Oct 18, 2020, 7:16pm UTC
https://www.bleepingcomputer.com/news/microsoft/using-windows-10-in-place-upgrades-to-fix-windows-update-issues/
> To install new cumulative updates, Windows 10 feature updates, or out-of-band updates, Windows users rely on the Windows Update feature to properly update their computer.
> In some cases, however, some folks have noticed that the update fails with an uninformative error message almost every month. Even those who have successfully downloaded the update have hit trouble during the installation process.