Using the Media Creation Tool now allows users to capture this moment in time. By downloading the 24H2 ISO, you are essentially freezing the OS in its final, most secure state. This ISO becomes a safety net. If your system crashes next year, or if you build a retro PC in 2026, this tool ensures you aren't installing a version of Windows that requires hundreds of gigabytes of updates before it becomes usable.
The official Microsoft tool for Windows 10 will always install (the final version).