iOS 26 is still being avoided by some people, but you must still upgrade now- you are not receiving iOS 18.7.4 if your device is newer than iPhone XS or XR
We understand that iOS 26 is still being avoided by some people, but for me, I’m on iPhone SE 2, and iOS 26.2.1 is running fine. And there are still some people still on iOS 18.7.2, avoiding iOS 26 because of its Liquid Glass. But you should still resist the urge to stay on 18.7.2 and upgrade to 26.2.1 now as you would not see 18.7.3 or 18.7.4 as options. There was a beta loophole that allowed you to download and install iOS 18.7.3, but that has since patched, but even if you were to install iOS 18.7.3 beforehand, you would not see iOS 18.7.4 on the workaround you used. So wherever you have iOS 18.7.2 or 18.7.3, you must upgrade to iOS 26.2.1 now to remain secure, as this is now the only way to remain secure in the future. Don’t wait for iOS 26.3 or a hypothetical iOS 18.7.5–upgrade today.