An annoying oversight is that while my Fujifilm camera is modern enough to shoot HEIF+RAW, Apple Photos only knows to group JPEG+RAW as a single photo. Because Apple did not spend a day of engineering time bringing feature parity for the file format they themselves promoted, it has turned into a bigger feature to match and merge the HEIF and RAW assets after the fact. After several years, I'm growing doubtful they'll ever accomplish it.
I have yet to see whether they did it right with JXL+RAW (or is it DNG+RAW?) but hopefully they will before it becomes available in mainstream cameras.