Lock Screen widgets in iOS 16?

Gregory Clapp wrote:

I do have photo as my wallpaper, not a stock image — you may be right about this.

I have not seen the photo wallpaper limitations discussed in the literature. And I have not personally tried a photo wallpaper. Here's another writeup.

Personalize your iPhone Lock Screen - Apple Support

Gregory Clapp wrote:

When I follow the steps, instead of a box to fill with widgets, I see a question "Customize New Wallpaper.

After step 1 under "How to add widgets to your Lock Screen", you should see your current Lock Screen with additions as follows. Simply tap "Customize" and proceed with step 2.

After tapping Customize, here's what I see.

Then after tapping Lock Screen (image cropped slightly so it would fit here):

Perhaps yours behaves differently because you're not starting with a standard wallpaper.

The answer is contained in the article linked above your post.

That’s great news! Glad it all worked out.

Enjoy your Apple gear.