Is the desktop version for 2024 returns available?

Yes, but for download only. No cd. 

Yes, you can download the TurboTax desktop products here.

unfortunately it doesn't allow you to estimate or input some preliminary data  - which makes it worthless for deciding on year end withdrawals 

so I guess I just spent $70 for something I could get when its complete for for $49 

A lot of the sections aren't ready yet.  There will be many many updates to come.  But you can enter your 1099R or other 1099/W2 forms using the Forms Mode.   And then when the program is updated you should delete the forms and enter them using the interview step by step method.