I managed to get round this by copying
Xcode.app/Contents/Developer/Platforms/iPhoneOS.platform/DeviceSupport/13.4
from the latest Xcode.xib into my installed Xcode package.
Over the last few years Xcode has dropped support for older versions of macOS very aggressively. It requires upgrading to a new major version within the year that the new version came out, and quite often requires the latest minor version as well.
https://forums.developer.apple.com/thread/130988
So now I’m stuck on 10.14.6 and iOS 13.3.1, one of which is not getting security updates.
Really hoping Fuschia or someone steps up and displaces Apple.