I have found that the latest updates from 14.5 and 14.5.1 and 14.6 wouldn't even download because it would not recognize the phone was connected wo WiFi - However, Apple support and my phone when completing a "What is my IP" online showed my internet provider of my WiFi Modem/Router. I have swapped 2 devices now and been to Apple Store to troubleshoot. I have seen issues; with their latest software/hardware and the phone does not apparently like when your switch or router combines WiFi signals 2.4GHz and 5GHz signals together and let's the device pick - this appears to have happened with the 14.5 and above updates where this confuses the device and or just wont work at all. This is probably something in the Software or Hardware of the iPhone and the WiFi Adapter it uses - Again I would suggest that Apple needs to probably do some QA/QC analysis of it's phone's since there are many others out there with a similar issue to mine. I'm not saying this will fix anyone else's problem but; this fixed mine.
I also reset my Asus RT-AX88U router back to default and reconfigured it from scratch, because I had it integrated with my Amazon stuff; but now it is using my 5GHz WiFi just fine.
I should also clarify that I am on Xfinity Mobile, iPhone 12 Pro Max using 14.6 iOS