I have had huge problems with OS Tahoe and OS Golden Gate. Lags, stalls, sluggishness. The mouse freezes. Keyboard input lags so badly I can't type properly. Microsoft Office apps suddenly can't save, wasting my work and time. I switch from my work to my home User profile, and I have to wait 45 seconds while the machine is completely frozen. Just now, while I was writing the first draft of this rant, the cursor suddenly froze, and I had to do a hard reboot.
These problems have been occurring both on my Mini M4 and also on my MacAir M4 ever since I updated to Tahoe. I had to completely redo my Apple ID and Dropbox set ups for the new storage regime in Tahoe, and eventually reloaded system from scratch on both computers to get rid of the lags, skips, keyboard stalls, mouse freezes, etc. which some sources attributed to 'corrupted caches'. That helped some, but unacceptable performance issues continued and recurred. I hoped Golden Gate, as a "bug fix update" would help, and it did, a bit... but the stalls and freezes and delays are getting worse again. Fast User Switching in particular results in 10-30 second of stall, never less than 5 (with no cursor in the password window). I have switched FUS to the Control Center. I use all of the accretions that Apple pushes -- Mission Control, Spaces, Stage Manager, etc. -- as little as possible, try to avoid much Liquid Glass. When I look at Activity Monitor, various apps seem to use lots of CPU time when I have problems, but there's not one obvious culprit. In Tahoe, it was often BackgroundShortcutManager or something like that (I do NOT use shortcuts). Sometimes it's indexing processes. But whichever, the end result is that I cannot rely on my computer to keep doing its main functions briskly and reliably. And that's a huge deal for me. Yes, it works right most of the time. But when it doesn't, it's just enormously frustrating because it's not a one-time thing: it's again and again for the last 6 months or so, and I'm losing my patience.
I don't suppose there is a simple fix. Apple has developed its ecosystem and added "features" (many of which I do not use) to a point where it's insanely complicated and inter-connected... at the cost of working right any more the way it used (Back in the **good old days**, ha!).