How download apps+data from iCloud but not iPhone settings?

I erased my existing iPhone (13 Pro running 15.2), then set it up as new, and now want to bring back my apps and data from iCloud. I do NOT want to do a full backup restore because that will bring back not only apps and data but also system settings, and the whole reason I erased my iPhone in the first place is that there is some system setting buried in the backup that is blocking MMS from working properly. Apple support told me to setup the iPhone as new, then instead of restoring from backup, I should go to the iCloud page in settings and manually download all the apps I want back, which will give me back the apps and their data. Bringing them back this way will allow me to get my apps+data back without bringing back the corrupt system data that network resets and other troubleshooting steps have not been able to fix. But when I go to the iCloud screen I don't see how I re-download my apps+data. I have a call w/Apple support later today but posting here in case anyone knows how to do this. Thanks!