This thread helped me fix my issue but my problem wasn’t as complex. Maybe this help someone out there -
My iPhone 13 Pro Max was stuck in the restore process and was not letting me install the new iOS update.
I discovered my iPhone was not completing a current backup. So I canceled the backup then restarted the backup. All was fixed after that backup was complete. (Settings - Clicked my name at the top - iCloud - iCloud Backup)
I did not have the issue that the word “Never” was next to my iCloud back up status so my apologies I can’t help those with that.
I didn’t lose any photos or current info on my phone.
Good luck to those who still need a fix. I hope you get one soon.