I think your carrier hasn't approved it yet. T-mobile seems to lag on these things. I also can't seem to find a system update. A Google Play system update does seem to exist
Now think that millions of people use the same OS on many different flavours, on different hardware, on multiple operators.
What an inneficient way of doing things.
Does it happen with iPhones?
It’s gotten slightly more confusing with the major updates now being optional. You get a choice between getting a feature update or just security patches. Unless I missed it, my phone never really asked me to update to the latest iOS 26. But I can, it’s there. I’m instead on the latest version of iOS 18. (They changed number schemes. 18 is last years major update)
Apple also does security updates for quite a long time. iOS 15, from 2021, got a security patch in September of this year, and works on the iPhone 6s from 2015.