I too haven’t plugged my phone in to transfer anything since the 6s, obviously there are people who do like yourself and Apple limiting transfer speeds is ridiculous but the majority of people are basically using the cable for charging, I don’t have data to prove it but anecdotally I’d bet I’m right

They shouldn’t have capped the speeds but I highly doubt this will be an issue that the average person cares about

That’s fine. If you’re using an iPhone you’ll literally get better speed for the last decade by unplugging your phone and doing the exact same thing over WiFi.