Photo blogs and professional reviewers disagree.
Your statement that "most others" say this issue must be "sorted out" runs counter to iPhone 13 sales and reviews.
For example, photography site DXOMARK currently rates the iPhone 13 Pro/Pro Max's camera as the best available of smartphones sold in the United States.
Your preference for less processed photos is why ProRAW is available and why third-party apps can access the sensor to directly create RAW DNG files; most users do not want the less saturated photos you do.
As an aside, the colors in your sunset photo are much more subdued than the average sunset I see; the colors below are much subdued as compared to what they actually were.
(Note the photo below was downsampled from HDR, reduced in size and converted to lossier JPG by the forum software.)