I have just installed 14.1 and it automatically turned on 2 step verification for my Apple ID, which I did not want as my wife and I share the same Apple ID and email address on the two iPhone 8s and our iPad. A bit of a pain turning it off, as it means changing the Apple ID password and then making sure it is not invoked installing 14.1 on the 2nd phone.
edit: almost immediately on restarting, after installation of 14.1, a screen comes up about 2 step verification. Underneath the big continue button, is an options link; selecting this gives you the option of not installing 2 step.