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After upgrading to the Windows 10 October 2020 update, a bug is not allowing users to perform in-place upgrades using the Microsoft Media Creation Tool (MCT).
When Windows 10 users experience issues with the operating system, they can use the MCT to perform an 'in-place upgrade' that overwrites existing files with new ones downloaded from Microsoft's servers.
In previous versions of Windows 10, when performing an upgrade using the Media Creation Tool (MCT), users are asked whether they want to 'Keep personal files and apps', 'Keep personal files only', or save 'Nothing.'
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When Windows 10 users experience issues with the operating system, they can use the MCT to perform an 'in-place upgrade' that overwrites existing files with new ones downloaded from Microsoft's servers.
In previous versions of Windows 10, when performing an upgrade using the Media Creation Tool (MCT), users are asked whether they want to 'Keep personal files and apps', 'Keep personal files only', or save 'Nothing.'

Windows 10 20H2 bug breaks in-place upgrade feature
After upgrading to the Windows 10 October 2020 update, a bug is not allowing users to perform in-place upgrades using the Microsoft Media Creation Tool (MCT).