I got around this limitation by adding my home NAS to the Files app. On the iOS side: set up the SMB connection in Files, hit the Share button on files I want to transfer, point it to a folder on the NAS, and transfer. On the PC side, I just grab the file in Explorer.

Airdrop works well for sharing files to other people's iOS devices, but I'd argue SMB is actually better for my use case. Airdrop sends files to a Mac's Downloads folder. SMB transferred files go exactly where I want them on the first try. The difference is just a couple extra taps in the 'Share' modal.

Though I must admit this isn't a solution for everyone. I doubt many iPhone users have a NAS stood up at home and would be happy to spend money on the 'simpler' solution of purchasing turnkey products and services from Apple.