Thanks, Alex.
It seems odd that they apply the background from the lock screen to the home screen(s), but they don't apply the text color from the lock screen. To take it to an extreme, I tired a black background, and the home screen titles are basically invisible. (I had read old Apple support discussions where changing to a dark color would flip the text to white, and then keep it white when you subsequently flipped back to a lighter color. It apparently doesn't work that way in iOS 16.)
I lightened the shade of blue a bit so the black letters are a bit easier to read, but I really orefer the dark blue with white letters.
I did watch some YouTube videos with bloggers talking about iOS 16, and I notice some of them have white letters. I wonder how the heck *they* got them.