Thank you for the clarification.
I have an iPhone 16, and it took me a long while to realize why I could not find these RAW settings... they are only available in the Pro models.
I understand the frustration about not being able to drag directly the files.
A possible workaround would be to use a different camera app that would store its files not in the Camera Roll.
I know that such apps exist, loke Camera+, that allow one to save either to the Camera Roll, the app's own space (or both). In that case, you would be able to drag directly in the Finder, as I've shown before.
I do not know how this or other camera app compares, in terms of features, to the built-in one.