This is my experience as well. Looking at the subject while taking the photo, I find in many (not all) lighting conditions, that the default camera app will run its algorithms (even with raw) to attempt better colour grading as well as HDR, etc. and the image is typically "hot". Editing the raw file is always possible, if time permits, but I prefer to start from an image that is closer to the original subject rather than an over-AI processed image. I would like the camera app to give me settings to turn elements of this processing off.
I did some tests with camera apps, including Filmic Pro FirstLight, Halide, and Adobe Lightroom. I found the Adobe LightRoom images more realistic. I plan to use it when the image is important, and otherwise use the Apple default camera for random social stuff that doesn't matter so much. I have my exposure setting ready to slide in the Apple default camera, and would often need to turn it down, sometimes -0.7, ... and this would turn down some artificial heat. Interestingly, this change in exposure setting seems to do more than just exposure after the Apple AI processing does further things, and the colour grade is till a bit wrong, but it is a better starting point on most occasions.
I also think we are all getting much better at being critical about our photography. We are noticing more than before. This is also handing opportunity to third party camera software, and I can imagine more software updates will be exciting for that reason. It is also "highlighting" the benefits of dedicated cameras a bit more, which is great for Sony, Canon, etc.
I still want something instant in my pocket that needs less fritzing about. I look forward to substituting the software, perhaps a new third party photo and video app (needs to do both) is coming in the future, and we can set it to be our default with our own quick and easy custom modes and control of post processing elements.