My iPhone SE (OG) is still on iOS 13.7, as I turned off automatic updates after the surprise release of iOS 14. (I remember the glitches I had with early versions of iOS 13 last year, and don’t want to repeat those.) Settings now has a badge next to it indicating that it really wants me to know iOS 14.1 is ready to install. But I’m in no hurry, both my phone and tablet are working fine and the improvements will be marginal for me.