I think ruger nailed the difference. The 24 fretter is physically a longer guitar, which shifts your hands to the left compared to the 22 fretter. My first PRS was a CU24 and it was totally fine until I got two 22 fret models and started playing them more and more. My muscle memory got so accustomed to the 22 fret guitars that when I'd switch to the 24, I would consistently find myself mistakenly two frets higher than where I wanted to be.
I now have an SE 7-string, which is 24 frets, along with two 22 fret models. It doesn't throw me off the same way my CU24 used to do, probably because the 7-string requires a whole new set of muscle memories.
I can play the high frets just fine on my 22 fret guitars, but having 24 does make it easier.
Plenty of people on here get along fine on either 22 or 24, so YMMV.