What you are seeing is normal. Software Update will offer you the latest version of your current major version of macOS. If there is a newer major version of macOS one year newer than yours available that will run on your Mac, then you are offered that upgrade as the default choice. If there is more than one successive major version upgrade, you are offered only that.
So if you are on macOS 15 Sequoia, today you will be offered macOS 27.0.1 Golden Gate, and if you click the (i) next to Other Updates, you will also be offered the latest version of Sequoia (15.8.1) since you are not already running that. But you will not be offered macOS 26 Tahoe if your Mac can also run Golden Gate, which yours can.
See: Update macOS on Mac - Apple Support
If you prefer to not use Terminal, you can directly download the full installer for macOS 26.7.1 (the latest version of Tahoe, you can install that directly over your current version of Sequoia). You can download it from Apple with THIS LINK.

The link points to the URL "swcdn.apple.com", which you can verify is Apple's software update server URL in their own documentation (Use Apple products on enterprise networks - Apple Support).
There are always bugs in a new major macOS upgrade. Most are eventually resolved by point updates, but some point updates create new bugs. I typically update my personal Mac, iPad and iPhone immediately, and I hold off on updating my work Mac until the x.1 or x.2 update. There are issues in Tahoe that affect some users (e.g., with Column view in dialog boxes, if you use that) that were not fixed in Tahoe and remain in Golden Gate.
The main issues with Golden Gate at this point are with Mission Control and Spaces on macOS 27 Golden Gate, especially regarding the way Full Screen apps and app switching are handled. Personally, Mission Control is working fine for my use cases on my 16" M4 Pro MBP running 27.0.1. I have many Spaces and open windows, but I don't use full screen apps and I don't have my apps grouped, both of which are associated with reported issues.
Personally, I've never experienced significant issues with macOS or iOS upgrades. Minor annoyances yes, but nothing that has meaningfully impacted my workflows. For example, once in a while on macOS 27.0.1 the screensaver setting will change itself from my usual selection (an album in my Photos Library) to the macOS Golden Gate screensaver. I change it back, it sticks for a day or two then switches. A minor annoyance, not meaningful to me. I reported the bug to Apple, as usual. At some point, it will be fixed.
Consider that the macOS 27 (Golden Gate) developer beta was released on June 8, 2026, followed by the public beta on July 13, 2026, before the full software officially launched on September 14, 2026. That's three months of developer testing and two months of public testing, both across several iterative beta versions. And of course, plenty of testing internally before Apple released the first developer beta.
In general, MAJOR issues are going to be found and fixed before the full release. What is left that impacts the general public mainly falls into three categories:
- Identified bugs that were not of sufficient impact/priority to fix before full release
- New, unidentified bugs that are found by users
- Issues caused by incompatible software/extensions installed by the user on a prior version of macOS
After a major upgrade, the majority of issues fall into that last category.