What‘s the fastest way to transfer data from an iPhone 15 Pro Max to a 16 Pro Max?

Ok, so I just did it... My vote is No.1 - from a Mac backup using the USB-C

It was pretty painless and didn't take more than an hour. But Apple always seems to insist on re-downloading all apps over the internet, that took longer.

Last time I migrated using phone to phone... it was similar, a bit slower, but forgot all my banking stuff. This time was a bit better I think (hard to remember exactly from a year ago), it remembered my saved credit cards / Apple Pay too... I just had to verify the CVV numbers again

So what was the final answer to this question, I'm about to begin the process too.

If I use Phone to Phone over WiFi, will I have to still login to all the accounts and activate software, banking, Apple Watch, AirTags etc. ?

And is it true if I do a Apple MacBook backup restore then all of the above is carried over without the need for any sign-ins?

My brain says the MacBook backup/restore should be fastest/best, but I'm not 100% sure.

I would say iCloud Backup is the fastest and safest.

This may help --> 3 Ways to transfer data from an old iPhone to a New iPhone… - Apple Community

really? I would think that would be the slowest option as you have to rely on your internet connection. Phone to Phone WiFi or Mac via USB-C restore has to be quicker.