The linked answer suggests copying "the 32-bit libraries from Mojave" and changing a kernel boot argument in NVRAM to enable 32-bit processing.
I haven't tried this, but I'd suggest that it's not a viable alternative to virtualization.
Firstly, correctly identifying all the necessary files to copy over from Mojave is not without risk of error or omission. (The link that might provide some guidance is dead.)
Secondly, while Mojave and Catalina may have been similar enough for this to work, incompatibilities and problems will increase as new OSes grow apart.
Even assuming that you got the 32-bit apps running, there's also no guarantee that other changes to the OS won't cause serious or 'fatal' problems.
Obviously, none of this will work on M-series Apple Silicon Macs.
If, as you say, you haven't upgraded from Mojave, then I'd consider setting up a VM before you upgrade, to see whether it works with sufficient performance. VMs work best on hardware with lots of cores and RAM. (I used CS6 for a while on my 2012 Mini in a Parallels VM, and it worked OK.)
Otherwise, you need to make a decision about whether to keep up to date with progress, or whether to stay where you are. Why the sudden desire to upgrade to Catalina, after 3+ years? One question to ask yourself is: if your Mac died tomorrow -- e.g. Logic board failure; or got stolen, caught fire, etc -- and you had to buy a new Mac, what would happen?
Some other thoughts about running old software versions:
Microsoft Office can be updated to a 64-bit, up-to-date version at reasonable cost. You can buy a standalone, one-time payment version, rather than the subscription.
There are plenty of modern alternatives to Adobe's apps, such as Affinity suite, or GIMP/Inkspace/Scribus. VivaDesigner will open InDesign files natively. CS6 is now 11 years old.
But of course, it won't be long before Catalina is too old to run the latest apps, either.
If you need to update your Mac, but neither alternative software nor virtualization are a sufficient strategy for your legacy files, then I suggest buying a vintage Mac on eBay or similar, just for your legacy apps, which ideally you should start to migrate away from.
Some additional costs are inevitable, whether they be hardware or software.