I'm having issues with with my current installation of Zorin OS Pro (kernel 5.13.0-27-generic and kernel 5.13.0-25-generic). Whenever I boot I get the following problem (it's a link to youtube vid):
As you can see, my extended monitor renders correctly though. I've also tried disconnecting the external monitor (before and after boot), same result on my main laptop screen.
I'm currently using this Nvidia driver, but all of them (even the X.Org one) gives the same result. So I'm guessing that it's not the issue.
Use the kernel that works for you. If all your hardware works at a specific kernel use it. Newer doesn't always means better only if your computer is new and needs drivers to work.