Yes, it's stable until they announce or add/activate actual 19045 features, you essentially have 19044
https://forums.mydigitallife.net/threads/windows-10-svf-repository.63324/page-241#post-1706172 + added a new ISO ddl opendir mirror by @luzea at the OP of the (IoT) Enterprise 2021 LTSC thread
Which Windows 10 version would you recommend me to use for a client who only knows basic WIndows stuff?
He/she can run any version but home, not because of the experience level but because of Home needing some extra stuff to create a local account during oobe, easiest would be to advise enterprise.
Hmmm, this is interesting and a hard call. 1809 is too buggy in my view, even the mouse cursor does not comply with the "None" scheme when busy/working in background after so many updates. The alternative would be 1607 LTSB which I think has the only downside the updating behaviour which takes too long and a lot of bandwidth if this is an issue. With a bit of effort 19045 is good enough, but this might be too involved for the purpose of the original enquiry.
All new updates: https://forums.mydigitallife.net/threads/windows-10-hotfix-repository.57050/page-701#post-1754583