Solved! Go to Solution.
For anyone that wanted to know, It may be possible to go around your carrier and get the update by using Samsung Smart Switch for Windows or MacOS. I am trying it now and will edit this post to let you know of the result.
EDIT: So it will take 5-ever over Wi-Fi and a cable connection to the computer, but it will update the OS/UI. For the S10, Keep installing the incremental updates until you see "PDA:UA1/CSC:UA1/PHONE:UA1". That will contain the Android 11 upgarde. There will be more updates but that is the one I was looking for. Good luck!