Sometimes people mistake Swift for Xcode and vice versa. If compiler can't figure out type in reasonable time, give it some room to breathe by adding a clarifying type definition. I don't like to fight the compiler trying to bend it to my will. I am happy to offer extra help by clarifying types – magic costs performance. Compiler gives back by blazingly fast builds.

By the way, I am impressed by speed of Swift 6 project builds on Apple Silicon Macs. My non-trivial apps using a mix of Swift/C++/C files (hundreds and hundreds) get compiled in nearly real time. Feels good.