Oneplus 9 pro Software Update

The sad thing is the phone has been paid for.  From what I can tell my sim is unlocked.  My bootloader is unlocked. (Developer option).  I just don't want to risk bricking the phone.  I'm annoyed with the bugs I encounter randomly with A12.  I'm annoyed by a couple of easy access options that went away with A12.  But what really gets me is that with the cost of this handset and the lifespan expected from it, T-Mobile and One Plus will eat up a good 6 months before they likely deliver a buggy release of A13.  Meanwhile folks with non carrier versions of this handset can used the One Plus app to load what they want.  Once a handset is paid off not just the SIM should be unlocked.  The handset should look like an unlocked phone at that point. Discount or not it's paid for.