New phone.

You are welcome.

See the articles below.

Update your iOS device.        

Get help with over-the-air iOS updates          

Update – Can’t or can’t restore 

Have you tried using iTunes on a computer or Finder if running Catalina to do the update?

 Update software on iOS devices in iTunes on Mac

If you see an error when you update or restore your iPhone, iPad, or iPod      

Updating iOS: common issues and solutions

What update is the XS preparing? If the Apple ID update, try completely shutting down the device for a few minutes. Then restart and skip setting up the Apple ID. Finish setting up the device and then set up the Apple ID.