Just looking at downloading from f-droid, and see permissions granted, I see course and fine location required, or at least asked for... why?!

There is an experimental location sharing feature: https://delta.chat/en/help#how-can-i-share-my-location-with-my-chat-partners

If you don't enable it, the permissions are not used. And even if, your location is only shared with your chat partners, Map tiles are downloaded from OpenStreetMap.