As noted, it depends on many factors. Major updates may update 1000s of files and that can take a long time because the update does not just overwrite the old. It has to first save a copy of the old (in case it needs to be recovered), write the new file, then verify the write was successful. And it has to do that with each file. In effect, these big updates are like doing a complete new install - only it takes even longer because it needs protect the old installation (including all your personal data and installed programs) in the process - just in case a rollback becomes necessary.
Then there is your Internet connection as well as other activity you (or the OS) may be doing on your computer at the same time.
The performance capabilities of the hardware itself matters. As does the amount of free disk space. Also, and this is especially true with some notebooks, major updates are pretty resource intensive - not just on the drive, but the CPU and RAM too. This means they will likely start to heat up. And because the update process can take a lot of time, that heat can build up and build up some more to the point where the system may throttle back in speed so it will cool back down. This "thermal protection" feature is a good thing - but it does mean tasks will take longer to complete.
When my laptop upgraded to 20H2 (a major update), it "appeared" to be stuck at 46% for well over an hour. I decided to head out to my favorite Mexican restaurant and when I came back, it had finally jumped all the way up to 52%.
And in another hour or so, it finished and after a reboot, worked fine.
One thing I have noticed on some systems is the computer may go into sleep mode and temporarily halt the update process, then resume again once awake. So wiggling the mouse every so often to keep it awake may help.
There have been times when a system was rebooted during the update. While not a good idea, the system will typically resume where the update left off. HOWEVER, corruption is possible so the advice to just let it run until it completes is still the best advice.