If your bluetooth is turned on it will ping other peoples phones when you are out in public. Someone "tests positive" for covid they will know who that person came in contact with because of the bluetooth pings, they can contact you and tell you to quarantine.
I did the same. I'm still running 13.4.1. When I heard about the Covid tracking I stopped auto updates immediately.
If your bluetooth is turned on it will ping other peoples phones when you are out in public. Someone "tests positive" for covid they will know who that person came in contact with because of the bluetooth pings, they can contact you and tell you to quarantine.