It would appear that the "email on event" tool in 2019.4 now supports SSL/TLS or STARTTLS email encryption. The downside is that all workflows prior to 2019.4 don't have that feature/option and running old workflows fail.
Expectation would be that 2019.4 defaults to the "none" state and the workflow runs versus failing to load and execute.
Fix is easy enough; open workflow in 2019.4, touch the setting, and re-publish.
This post is mostly to inform others. Our users use the "email on workflow failure" feature to keep track of scheduled server jobs that fail. Now all our jobs are silently crashing until the workflow is upgraded. Those upgrading and using this feature need to make a note to migrate all workflows to 2019.4 so they will run on server.