While Apple have generally been pretty good about user privacy, the inclusion of contact tracing into iOS 13.7 is a huge privacy problem.
It is still opt-in, but once the software is on your phone how long will it be before they switch it to opt-out and ultimately mandatory with no user control?
If you care about your privacy make your displeasure known to Apple at: https://www.apple.com/feedback/iphone.html
Request an upgrade path without the COVID-19 Exposure Notifications system.
Here is my complaint