Hotspot not working on OS 13.1.2

So, I have just spent nearly 3.5 hours on and off the phone with Apple support in Australia. I have an Xr - but my problems as per prior posts - are very similar to all the other models. It appears the "Personal Hotspot" slider no longer exists with IOS 13.1.2 - instead you have "Allow Others to Join" (similar to comments above). Before I took the following steps I am not sure that the "Allow Others to Join" was working properly and family sharing was also showing. Family Sharing is no longer showing after taking the following steps and my hotspot now works. Although I have only just done this - not sure if it will last for hours, but I did let my phone go into sleep mode (I didn't turn it fully off) and the hotspot stayed connected.

These are the steps I took (it might be best to do this with an Apple Support person in case I have missed something):

1. Backed-up my iPhone
2. Restored my iPhone (back to factory settings - hence the need to back-up first!)
3. When it restored - I set it up as a New Phone - I didn't log into iTunes and use the back-up straight away.
4. Select "Don't transfer Apps and Data"
5. Select "Forgot or Don't have an Apple ID"
6. Select "Set up later in Settings"
7. After setting up the other functions i.e. Siri etc. I checked the phone and had the "Allow Others to Join" option. After sliding it on, we tested this on my laptop and the hotspot worked.
8. From iTunes on your computer - select Restore Back-Up (we didn't do this from the New screen - we did it from the usual iTunes screen.
9. My hotspot is working (yay!). Will keep the chat posted if I have the intermittent problems and dropping out like some of the other feedback.

Fingers crossed this works and good luck everyone else.