Hi Tooldoc,
Congrats on purchasing QuickBooks Desktop 2020. I'd be happy to share info about upgrading and using the accountant's copy.
You can still work on the Accountant's Copy using a different version as long as the gap between the versions is just one year, and the accountant has a more recent version. It's completely up to you to upgrade first but I recommend checking out this article here.
In case you have other questions, feel free to contact our support team using this link here. Otherwise, leave a comment below and I'll make sure to get back to you.