See if your preferred distribution has a kernel backport available. Most have backports of the kernel because it has relatively few dependencies and is backwards compatible, making it easy to backport.
E.g. Debian currently has a 5.5 kernel in buster-backports[1]. However, Debian's backported kernel doesn't get the same level of attention and isn't subject to the same security policies as stable releases, so may be lacking some security patches that the stable kernel has.
E.g. Debian currently has a 5.5 kernel in buster-backports[1]. However, Debian's backported kernel doesn't get the same level of attention and isn't subject to the same security policies as stable releases, so may be lacking some security patches that the stable kernel has.
[1]: https://packages.debian.org/buster-backports/linux-image-amd...