Yes, you should update to 15.1. But you said and I quote: "I’m really irked and hate that it shouldn’t have gone down from 100% because I have been taking care of my battery’s health so well." That is not a statement from someone who "understands" what happens to batteries.
You are complaining about two totally different issues. I addressed the Battery Health concern, which should not be a concern, whether you like that or not.
As to why your phone is getting warm. Do you see a warning on your screen that the phone needs to cool down? If no, your phone is not overheating. When an iPhone exceeds normal operating parameters, it notifies you it has. iPhone's get warm while using them. If you notice it warm at times, make note of what you're doing at that time. For example, are you watching a video? Your phone will get warm. The battery is being used harder watching a video, or playing a game, or streaming music.
Also, it is NOT necessary to force close applications you are not using. That will not make your phone hot. iPhone suspends apps not in use. And it uses more memory and battery power to reopen fully closed apps again.