I know this is unsolicited and I apologize for that, but check your Console logs immediately after you boot back up if you haven't already, there might be a hardware issue, and you ought to be able to get a good idea of what's going on by seeing what kext is affecting it.
My current and previous laptop have been fine, but I used to have issues all the time on a much older laptop, and the issue back then, I forgot exactly which piece of hardware it was, but there was a bug in one of the drivers that was patched in an update, I think it was 10.4.9 or 10.4.10 that had the issue, a known issue at the Apple Store; but they couldn't do anything about it from behind the Genius Bar. Generally if you're getting kernel panics though, there's either something wrong with a piece of hardware or with the driver for it, although it could be any kind of kext causing the issue if you have any 3rd party kexts installed.
Funnily, in last few months on macOS Catalina i've got more kernel panics than in prior 13 years on Mac and 8 years of Windows combined.