Apps have to download from the App Store regardless of a restore from your computer or iCloud. That and photos are the most time consuming part of a restore but again depending on your internet connection (and number of apps) it can proceed fairly quickly. Back in the “old” days when we had a much slower connection at home I would go to a friend’s place to do this. He had a very high speed (for that time) connection. But I think I’ve only done this once when it wasn’t for a new device, it’s been so long I only have a vague memory of ever doing it except when setting up a new device. Now between the quick set up - from old device to the new one - and iCloud restores from backup this is really a simple and easy process for anyone.For me an iCloud restore is generally quick except:
1. it seems to take forever for all the apps to download
2. some of my data cannot be backed up to the iCloud (work)