I know this has been asked probably a million times, so apologies.
I was always under the impression that a IPSW install was a wipe and restore? If I were to install (using your excellent instructions at the beginning of this thread), is it the same as an OTA update - ie it will keep all my settings? I would prefer to do that, but have always done a OTA install. The app I am worried about is my company RSA app, as that is a real PIA to get reinstalled and I am in the chicken and egg situation that I have no remote access (I WFH) to contact support lol or access to my work VDI machine if that goes. Fixable, but waste half a day!
Thanks and sorry to make you repeat yourself