I’ve tried Gboard and SwiftKey on iOS.

Not sure if Google just gave up on updating the iOS variant or if Apple holds it back intentionally (probably a bit of both) but they pale in comparison to their Android counterparts.

I’d prefer a useable stock keyboard but I take your point.

SwiftKey also crashes daily. There's no good keyboard for iphones, at least for my stubby fingers. I've literally won local mobile typing speed contests (so it's not user error I dare say) and the last five-ish years that I've been on ios have been a total and utter misery. If I had some cash floating around I would be back on android.