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You are correct, Samsung does a very decent job of putting out at minimum security updates each month. Carriers on the other hand are the ones who actually push these updates and they do it in a variety of ways. For example, here in the US it seems that carrier additions of devices get updated first. So if the device is branded by T-Mobile, Verizon or AT&T, those devices will get the update before an unlocked version of the device on their network. They also push updates in seemingly random groups, so not everyone gets them all at once but rather in clusters. Most of the time devices activated after launch will expect to get at least one update right out of the box but may wait days or weeks before getting the most recent update. Since you say this was a new purchase I wouldn't be overly worried that you haven't gotten the latest update, at least not until it has been a few weeks. If after a couple of weeks of not getting any update you can opt to try and force the update manually. (I'd go into more detail about Odin and updates but I don't know much about the process as I've never personally used it to update but I'm sure someone will chime in on the process and where to find it.)
In the meantime, most carrier customer service centers or manufacturer customer service centers cannot tell an individual user when they will or should get an update. This goes back to those groups I mentioned earlier. They're random and somewhere on a server, probably, there is something generating device numbers that says, it's 14:00 09/20/2021 time to start the next group OTA, but so far I've never heard of anyone who knows how to either access this information or has access to it.
Personally I would be patient and give your carrier a chance and some time before turning to trying to update myself manually. That's just me. Let's see if
@mustang7757 has a different opinion. I've heard him refer to Odin so maybe he'll provide some how-to on that if you're interested.
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