Garmin Express tells me my F5 is at version 15.10, the watch reports 14.20.
What's the story?

Garmin Express tells me my F5 is at version 15.10, the watch reports 14.20.
What's the story?

So it's not only me who was ignorant of the two-stage deployment process. Maybe a note to the Garmin Express team would be in order?
When you unplugged from GE, you should have seen a screen with "install now" or "install later". I think you picked "install later"
Yes, and that's why I was in GE: to find out how to install the update.
The bit that needs to be fixed in GE is an extra line like "Version 14.00 installed. The 15:10 update is loaded on your device but not yet installed: Settings>System>Software Update to install"
The issue is, GE reports "You're up to date!", but I was clearly not up to date and had to delve into the System menu to get up to date.
I know I'm not the sharpest pencil in the box, but I'm probably smarter than most users. If I'm confused.....?
By default, pending updates are installed "tonight". so if you get the update by way of GCM or Wifi, that's what happens.
I've not checked but Settings>System>Software Update is probably in the User Manual.
But it didn't update overnight, probably because my watch was out of BT range of my phone, and I forgot about it.
Yes, iI eventually found it in the user manual but buried deeply at the bottom of the page: "Customizing your device > System Settings". I only found it by searching on "Update".
I still think that GE's "You're up to date" message is needs to be refined.
(And apologies, I may have accidentally clicked "Report as abusive" under the More button)