This update fixed WiFi tethering on my new iPhone 11 Pro Max on Verizon, having upgraded from the XsMax.
I called Apple Tech support about the problem and instead of telling me there was a problem with 13.0 and tethering they wanted to troubleshoot.
I even explicitly asked the Apple Senior Advisor (2nd level tech support) if Apple had reported a bug in the 13.0 that would be fixed with 13.1 and he said he hadn't heard of any but he did not mention a log of reported problems which they should have had.
I waited for the update and it works.