To verify this, I just tried it again on a Pi4b. I put ssh on the boot partition of the latest 64 bit image, then booted it. The following is a complete abstract of everything I did. Everything works fine with the un-updated image.
And then took a look at the console. This took a few minutes to pop up:
[ 226.830668] usb 1-1.4.4: new high-speed USB device number 5 using xhci_hcd
[ 231.982924] usb 1-1.4.4: device descriptor read/64, error -110
[ 238.954996] usb 1-1.4.4: device descriptor read/64, error -71
[ 239.142793] usb 1-1.4.4: new high-speed USB device number 6 using xhci_hcd
[ 239.243863] usb 1-1.4.4: New USB device found, idVendor=3171, idProduct=0020, bcdDevice= 1.00
[ 239.243881] usb 1-1.4.4: New USB device strings: Mfr=1, Product=2, SerialNumber=3
[ 239.243895] usb 1-1.4.4: Product: ClusterCTRL
[ 239.243907] usb 1-1.4.4: Manufacturer: 8086 Consultancy
[ 239.243919] usb 1-1.4.4: SerialNumber: 1
[ 239.302208] usbcore: registered new interface driver cdc_ether
[ 239.311834] cdc_acm 1-1.4.4:1.2: ttyACM0: USB ACM device
[ 239.314303] rndis_host 1-1.4.4:1.0 eth1: register 'rndis_host' at usb-0000:01:00.0-1.4.4, RNDIS device, 00:22:82:ff:fe:01
[ 239.314508] usbcore: registered new interface driver rndis_host
[ 239.324086] cdc_acm 1-1.4.4:1.4: ttyACM1: USB ACM device
[ 239.324748] usbcore: registered new interface driver cdc_acm
[ 239.324760] cdc_acm: USB Abstract Control Model driver for USB modems and ISDN adapters
[ 239.324775] usbcore: registered new interface driver rndis_wlan
[ 239.381231] rndis_host 1-1.4.4:1.0 ethpi1: renamed from eth1
[ 239.558633] br0: port 1(ethpi1) entered blocking state
[ 239.558645] br0: port 1(ethpi1) entered disabled state
[ 239.559027] device ethpi1 entered promiscuous mode
[ 239.581067] br0: port 1(ethpi1) entered blocking state
[ 239.581079] br0: port 1(ethpi1) entered forwarding state
[ 302.047870] ------------[ cut here ]------------
[ 302.047912] NETDEV WATCHDOG: ethpi1 (rndis_host): transmit queue 0 timed out
[ 302.047991] WARNING: CPU: 2 PID: 0 at net/sched/sch_generic.c:468 dev_watchdog+0x3a0/0x3a8
[ 302.048000] Modules linked in: rndis_wlan rndis_host cdc_acm cdc_ether bridge bnep hci_uart btbcm bluetooth ecdh_generic ecc 8021q garp stp llc nft_chain_nat xt_MASQUERADE nf_nat nft_counter xt_conntrack nf_conntrack nf_defrag_ipv6 nf_defrag_ipv4 nft_compat nf_tables nfnetlink brcmfmac brcmutil sg cfg80211 bcm2835_codec(C) rfkill bcm2835_v4l2(C) bcm2835_isp(C) bcm2835_mmal_vchiq(C) raspberrypi_hwmon v4l2_mem2mem videobuf2_vmalloc videobuf2_dma_contig videobuf2_memops videobuf2_v4l2 vc4 cec i2c_bcm2835 videobuf2_common drm_kms_helper videodev mc snd_soc_core vc_sm_cma(C) snd_compress snd_bcm2835(C) v3d snd_pcm_dmaengine snd_pcm gpu_sched snd_timer snd drm syscopyarea drm_panel_orientation_quirks rpivid_mem sysfillrect sysimgblt fb_sys_fops backlight uio_pdrv_genirq uio nvmem_rmem i2c_dev aes_neon_bs sha256_generic aes_neon_blk crypto_simd cryptd nfsd ip_tables x_tables ipv6
[ 302.048439] CPU: 2 PID: 0 Comm: swapper/2 Tainted: G C 5.10.63-v8+ #1457
[ 302.048445] Hardware name: Raspberry Pi 4 Model B Rev 1.1 (DT)
[ 302.048456] pstate: 80000005 (Nzcv daif -PAN -UAO -TCO BTYPE=--)
[ 302.048465] pc : dev_watchdog+0x3a0/0x3a8
[ 302.048473] lr : dev_watchdog+0x3a0/0x3a8
[ 302.048479] sp : ffffffc0115cbd10
[ 302.048486] x29: ffffffc0115cbd10 x28: ffffff80449c9080
[ 302.048503] x27: 0000000000000004 x26: 0000000000000140
[ 302.048518] x25: 00000000ffffffff x24: 0000000000000002
[ 302.048533] x23: ffffffc011286000 x22: ffffff8046f473dc
[ 302.048548] x21: ffffff8046f47000 x20: ffffff8046f47480
[ 302.048563] x19: 0000000000000000 x18: 0000000000000000
[ 302.048577] x17: 0000000000000000 x16: 0000000000000000
[ 302.048592] x15: ffffffffffffffff x14: ffffffc011288948
[ 302.048607] x13: ffffffc011471c10 x12: ffffffc0113154b8
[ 302.048622] x11: 0000000000000003 x10: ffffffc0112fd478
[ 302.048637] x9 : ffffffc0100e62b8 x8 : 0000000000017fe8
[ 302.048652] x7 : c0000000ffffefff x6 : 0000000000000003
[ 302.048666] x5 : 0000000000000000 x4 : 0000000000000000
[ 302.048681] x3 : 0000000000000103 x2 : 0000000000000102
[ 302.048703] x1 : cd860106a7ebd700 x0 : 0000000000000000
[ 302.048718] Call trace:
[ 302.048728] dev_watchdog+0x3a0/0x3a8
[ 302.048742] call_timer_fn+0x38/0x200
[ 302.048752] run_timer_softirq+0x298/0x548
[ 302.048761] __do_softirq+0x1a8/0x510
[ 302.048771] irq_exit+0xe8/0x108
[ 302.048781] __handle_domain_irq+0xa0/0x110
[ 302.048788] gic_handle_irq+0xb0/0xf0
[ 302.048796] el1_irq+0xcc/0x180
[ 302.048810] arch_cpu_idle+0x18/0x28
[ 302.048820] default_idle_call+0x58/0x1d4
[ 302.048831] do_idle+0x25c/0x270
[ 302.048841] cpu_startup_entry+0x2c/0x70
[ 302.048852] secondary_start_kernel+0x168/0x178
[ 302.048859] ---[ end trace 98ab9a56382b0271 ]---
I don't know if this hlps or hurts. If you would like a copy of the MicroSD, it should be relatively small once compressed. I can supply it if you give me a place. Literally, I have not even run raspi-config.