I had the same reaction as you. Man if I was "waiting on some important calls", or out in the middle of nowhere where I needed my phone, the LAST thing I'd do is launch a software update! To me that's just crazy.
However, I can also understand that people are put off by this line of reasoning because they would argue that Apple released a product, not beta and not "special test try at your own risk", but a real shipping product. They made it available for OTA and iTunes updates, and gave you a notification to update (if you checked). Why shouldn't a person trust Apple and update at that point - are we really supposed to presume everything is broken until proven otherwise?
Plenty of blame to go around. But man, seriously, I wouldn't update when I'm in desperate need of my phone. I didn't update this time for that very reason, so I didn't get bitten by this issue.