Don’t know that’s a fact - remember it’s always difficult to prove a negative.
if you plug the iPhone into a Mac - iTunes needs a required software update - assume this is for iOS 13 compatibility.
after the iTunes update -
you can sync the iPhone - check for updates - a newer version is available. The update is 4.11 GB - much larger then the incremental update or even the iOS 13 release. The question becomes why is 13.1 so much larger as a download on the Mac ?
but it’s at-least an option - you can download then update the iPhone off line at home .
still looking for a better option . After posting this i remembered back in the old days you had to use iTunes to update the iPhone. The option is still available. An aside - Having a local iTunes backup is a plus vs the cloud. Restore is much faster.
if one had 2 iPhone one could update the other - so the buddy plan is an 2nd option.
as wireless continues to become faster - my 5Ge as they call it is faster then my Centrylink DSL when I had it - it starts to become a replacement for other services. It’s already fast enough for any video- so why invest in 5g if you still require paying for a separate duplicate service ?