let’s say that I downloaded the latest version from the apple developer website as dmg or xip and ran the .app will it work ??!?
NO.
The latest version of Xcode (12.4, when posting this reply) requires macOS 10.15.4 or later, whether it is installed via App Store or .xip.
You need to get a Mac capable of running the required version of macOS.
Topic:
Developer Tools & Services
SubTopic:
Xcode
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