Update

I would recommend holding off. I have never had a buggier iOS release than iOS14: cannot pair with apple watch series 3 anymore, a lot of apps simply freeze, I cannot restart my phone, I cannot delete apps. It is super frustrating.

Don't do it. My phone is a wreck! It's like an invisible hand is swiping left and right randomly and long-clicking icons. This is a mess. Phone also goes 2-3 minutes being totally unresponsive. Not good. It's almost as if I've been hacked.

Hopefully not. I updated my XR today with no problem.