iPhone Wi-Fi says incorrect password
128 iPhone 13 Pro, iOS Version 16.6.1
This morning my iPhone disconnected from my home Wi-Fi for some reason and when I went through to reconnect it asked for the wi-fi password it told me the password was incorrect. It wasn't incorrect because the same password is working on my desktop PC, Nintendo Switch, MacBook Air, a Steam Deck and two iPads.
I reset the modem/router.
I power cycled the modem/router.
I changed network name and password (thrice)
I did a factory reset on the modem/router.
I reset the iPhone (thrice).
I reset the network settings on the iPhone (thrice).
The closest Apple store is five hours away so that's not an option. I live in a rural area where the only option is Verizon, 5G comes and goes as it pleases and for the last two years full signal LTE is basically the same as SOS (nothing on the phone works unless I have Wi-Fi or full 5G signal. I absolutely need the Wi-Fi on the phone to work. I've seen quite a few similar posts in this community with upwards of 500 "I have the same..." tags so I'm not optimistic, but maybe I'll get lucky.
Absolute last resort is doing a factory reset because the options in the "Transfer or Reset iPhone" menu are confusing. Is it possible to reset the phone and have my settings remain? I really don't want to have to go back through and configure all the settings, passwords and privacy preferences on all the apps. I wish it were more simplified and actually did what I needed (why would I just reset my homescreen?) but I digress. I have the iCloud back up, not sure if that's going to help.
What now?
iPhone 13 Pro