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App Store to Be 'Split in Two' Ahead of EU iPhone Sideloading Deadline
(www.macrumors.com)
This is a most excellent place for technology news and articles.
Photos, contacts, messages etc aren’t exposed to Files. The person you’ve replied to seems to be talking about cloud-syncing them with a third-party service or backing them up in a computer-decryptable way.
But any other personal app will not be downloadable unless you plan to only use 3 that aren’t already installed.