Sure, downloading the latest iOS update might not be a priority. You’ll get around to it when you have a chance. This one you don’t want to ignore for a long period of time. In fact, you may want to just do it right now while you’re thinking about it!
Wired says, the latest update, iOS 10.2.1, offers security fixes surrounding many of the apps you use daily on your device.
Downloading the latest update will also act as a safeguard against malicious malware that could take over your phone. In order to prevent your phone from being compromised, go to Settings > General > Software Update, and let the software update begin!