Here is another thing I tried. So I took my Samsung T7 and it’s included cable which is one of the cables which appear to be incompatible with my 15” M2 Air when connected to the phone and did another test. I loaded up a 6.24GB file from my Mac to the T7. Then plugged the drive directly into my 15 Pro Max and copied that file to the phone in Files. 6.24GB in 11 seconds. Mac to T7 was 4.5 seconds approx. So not bad. I then deleted the file from the T7 you could also rename the original etc and then copied the file back to the T7 from the phone. It defaulted to usb2.0 speeds. After 15 seconds of counting I just stopped the transfer since it was already clear it wasn’t going to be even close. This is odd.