Yes, we know (and had also reported a bug to Apple about this), and we're working on a workaround. Existing backups from 10.15.4 work fine and can continue to be Smart Updated to 10.15 5.
I'm part way through a blog post that I'd hoped I wouldn't have to write, since I expected Apple to fix the bug...but, unfortunately, they released.
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--Dave Nanian
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