The iOS camera format control is one of the most confusing UIs in iOS. It first asks you to select between high efficiency and most compatible (HEIF vs JPEG). Then it asks you whether you want ProRAW. Then under ProRAW it asks whether you want JPEG lossless, JPEG XL lossless or lossy. That doesn’t even include the in-app control of JPEG Max (which AFAIK is just 48 MP JPEG).