At this point it is clear. It doesn't matter what examples I give you, you will argue. If I told you the sky is blue, you will argue it isn't. I have made it clear that an iPhone can not replace a PC in many instances. If all you do is basic things like surf the web or use Instagram, then sure. But if you have needs that require heavy lift programs, an iPhone will not suffice.
I'm sure they are certain apps that have been built to be able to download certain file types, but do I seriously need to do research just to find them? And then do more research to find out if those apps can share the files outside of that sandboxed app? There is no reason why iOS can't allow us to download any file type we want and be able to share or move it after download. No one is asking to be able to run the file, but we should be allowed to DL it out of the box and without the need for special apps <-- plural.
Anyway, this has become pointless. If you can use an iPhone as a PC, then it is obvious your computing needs are pretty basic and generic.