Hello DaveW75,
Thank you for reaching out to Apple Support Communities, and we'll be happy to help in any way we can. We understand you're having issues with Safari downloads in iOS 16.1.. Have you tried restarting your iPhone? This simple step resolves a multitude of issues: Restart your iPhone - Apple Support
"How to restart your iPhone X, 11, 12, 13, or later
Press and hold either volume button and the side button until the power-off slider appears.
Drag the slider, then wait 30 seconds for your device to turn off. If your device is frozen or unresponsive, force restart your device.
To turn your device back on, press and hold the side button (on the right side of your iPhone) until you see the Apple logo."
If that doesn't resolve the issue, does your iPhone need updating to iOS 16.1.2? Do you have a recent backup for the data in your iPhone in iCloud or your computer? If not, we recommend that you create one as described here: How to back up your iPhone, iPad, and iPod touch - Apple Support
Then update your iOS as outlined here: Update your iPhone or iPad - Apple Support
We hope this helps.
Cheers!