That's not really out, at least not publicly, which is what an article like this implies.
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Apple Seeds iOS 14.1 and iPadOS 14.1 Golden Master to Developers
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Just checked the dev portal, and it looks like it was pulled (if it was their before) or someone at MacRumors jumped the gun. 🤷🏾♂️
it's publicly accessible here:
Download iOS 14.1 Final IPSW Links, OTA Profile File Along With iPadOS 14.1
You can now download iOS 14.1 final IPSW links and OTA profile as well as iPadOS 14.1 IPSW links and OTA profile for your compatible iPhone, iPad, and iPod touch.
www.redmondpie.com
I understand the reasonable implications you are stating but at some point you have to take some chances. I guess you shouldn't be using your phone at all unless you are 100 feet away from people. A mugger could bonk you on the head while you are using it and bingo, they have your unlocked phone at their disposal. This definitely would have to be a toggle for those that want/require high security but some of us have nothing to hide and the probability of the scenarios you mentioned happening to me are as close to 0 as it gets. The convenience of having my watch unlock my phone if its within a few feet of each other would be something I would love to have. Again, it should be a toggle with default turned to off.
It's still not really what represents an actual public release. Seems like the article has just been updated as well saying that the update basically isn't actually there.it's publicly accessible here:
Download iOS 14.1 Final IPSW Links, OTA Profile File Along With iPadOS 14.1
You can now download iOS 14.1 final IPSW links and OTA profile as well as iPadOS 14.1 IPSW links and OTA profile for your compatible iPhone, iPad, and iPod touch.
yeah. I think I’ll wait as it won’t have been pulled without reason.
So maybe 14.1 is just for these iPhone 12 models, until we all unify on the 14.2 update that's still in Beta...
So some of us have a phone with a rare version of iOS installed? 
So some of us have a phone with a rare version of iOS installed?
You can now sell your phone on eBay like those people trying to sell iOS devices with Fortnite installed 😂
That was my first thing crossed my mind, but they would easily avoid that not creating a build from that version to each supported model (XR, 11 etc.).
I think now it will be released soon, but it was not planned for today. Otherwise it does not make sense to create builds to every supported models.
