Is this how it works - whenever I am on WiFi, the iOS updates will automatically download. But unless I click through to install the update, it will not install on its own.
And if I do a factory reset, wiping all data from the phone, it will wipe the downloaded update if it has not been installed.
And if I do a factory reset, wiping all data from the phone, it will wipe the downloaded update if it has not been installed.