So I pulled the trigger and went down to 19200 then back up to 20021. The downgrade took about 5 mins, the reformat and install took almost 60 mins!
So far seems pretty good, I could swear the interaction seems a bit more crisp / snappy. No new features that I can tell as previously mentioned. I am still running an iPhone 6 Plus with iOS 12.4.6
The crisp/snappy is probably more due to the Format. Just like reinstalling windows on a Computer from scratch. It helps with performance.
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