In Mac OS, the new System Settings controls how your Mac runs and behaives, some settings change users specific settings such as Desktop and Finder, while other affect the entire system. If a padlock icon appears in the bottom left of a preference window, then you will need Administrator rights to change those settings.
For example, if you wanted to change the Wallpaper you get the following
window with a list of possible settings.
Settings
Start Using iCloud - Access storage on Apple's iCloud with your Apple ID.
Software Update Available - Notifyification if a new update is ready to install with number of updates.
Wi-Fi - Configure wireless network access.
Bluetooth - Configure access to devices using Bluetooth.
Network - Configure Ethernet, Wi-Fi (Wireless), Firewire, Blue tooth, Firewall and network protocols.
Energy Saver - Prevent automatic sleeping when display is off and other settings.
General - Set appearance, colour, scroll bars, browser and recent items.
AppleCare & Warranty - Display infomration about AppleCare etc.
AirDrop & Handoff - Airdrop to share with people nearby, AirPlay enable.
Autofill and Passwords - Enable autofill passwords or passkeys for forms, delete verifcation codes and set up QR codes for verification
Date & Time - Configure local date and time settings, and the time zone.
Language & Region - Set date and time formats, location, welcome screen settings and languages.
Login Items & Extension - Apps to open at login and which apps are allowed to run in background. Extensions add extra functionality, some may run in background.
Sharing - Enable sharing for files, web, login ftp, remote desktop, printers and so on.
Startup Disk - Specify which disk or partition to boot from.
Time Machine - Configure and start backups and restore of user data.
Device Management - Setup Work or School account and configure profiles.
Transfer or Reset - Open Migration Assistant to transfer data and settings from another Mac or PC. Reset - option to Erase all Content and Settings.
Accessibility - Manage ease of use tools and settings including Vision: Voice over, Zoom, Hover Text, Spoken content, Display,Magnifier, Audio descriptions, Hearing: Audio, Captions, Motor: Voice Control, Keyboard, Pointer Control, Switch Control; Speech: Live Speech; General: Siri, Shortcut..
Appearance - Set Light, Dark or Auto mode, accent colour highlight colour, sidebar icon size, wallpaper tinting and scroll bars.
Control Centre - Set when modules are visible in the Control Centre.
Desktop & Dock - Configure size, magnification, position, and animation of dock and icons..Set the desktop and Stage Manager iroms to show, recent items, wallpaper click etc
Displays - Configure monitor resolution and colour profile.
Screen Saver - Sets image for the screen saver.
Siri - Enable or disable Siri, set keyboard shortcut, language and delete Siri and Diction history.
Wallpaper - Sets the wallpaper image for the desktop.
Notifications - configure which alerts you want to see and how they are displayed.
Sound - Configure playback and recording devices, sounds effects, balance and volume.
Focus - Set 'Do not Disturb' option and whether sharing in available or not, set Focus status.
Screen Time - Monitor how much time spent with apps and set restrictions. See HT208982.
Lock Screen - Settings for when lock screen show, show username, photo, hints or message when lockeds
Privacy & Security - Set Password, app store security. Configure network protection against unauthorised access to your system. File Vault for file system encryption. Lockdown mode.
Login Password - Change current user login password.
Users & Groups - Create, modify and delete user accounts, groups, login options, Network Account server. Open Directory.
Internet Accounts - Setup accounts for iCloud, Exchange, Google, Twitter, Facebook etc.
Game Center - Enable game center for socal gaming with friends.
iCloud - iCLoud settings, if iCloud enabled.
Spotlight - configure voice commands and speech. See Siri.Spotlight sets the sort order in which search results are ordered, keyboard shortcut
Wallet & Apple Pay - Manage boarding passes, tickets, coupons and rewards in one place. See HT204506.
Keyboard - Configure repeat delay, repeat rate, backlit, shortcuts, input sources and dictation for keyboard.
Mouse - Configure buttons, speed, zoom and other mouse options.
CDs and DVDs - Manage optical drives on Macs that have them attached.
Printers & Scanners - To manage peripherals such as scanners and printers.