What is the difference or improvements offered by upgrading 
MAC OS 9.1  to 9.2? 
I know where the downloads are but cannot find a page/link 
to explain them.

Greetings kelmo!

There are no major differences between the two.  Basically, what 9.2x
has that 9.1.x doesn't have is "improved performance in the Classic
environment of Mac OS X"
"What are the major differences between versions of Mac OS?"
http://kb.indiana.edu/data/abmc.html

"OS 9.2.1 & 9.2.2 are cosmetic systems to be used alongside of OS
X(classic). If you have no intention of using OSX.x, then you do not
need these OS systems."
"Difference between MacOs 9.1 and 9.2.1":
http://discussions.info.apple.com/WebX?14@127.RS8faNoGhi2.4@.3bbc36e9/0

"So, is OS 9.2.1 worth bothering with? If you have OS 9.1 installed as
your production system and it is working well for you, my advice would
be to stick with what you've got. The upgrade offers no notable
improvements in functionality, and a cruise of various forums
indicates that it is a lot more troublesome than OS 9.1."
"Mac OS 9.2.1 - Is It Worth The Trouble Of Upgrading?":
http://www.applelinks.com/mooresviews/9.2.shtml

I'm typing this on a Mac using 9.1.x and I have no plans to install
9.2.x.

I hope this information is helpful.  If you would like for me to
clarify any part of my answer or further research your question,
please let me know before issuing a rating.  Thanks!

leep-ga

Thank you  leep.
 your answer and links are just what I needed
Kemlo