iOS Clean Install with Selective App Data Sync

If you set it up as new, and have all the iCloud stuff enabled on the old phone, THEN

I am pretty sure all of these will come back without a restore:

Not normally the case with

You will want to use something such as iMazing to restore them piecemeal.

As for

It will come back once you reinstall the app and login again, PROVIDED you've enabled Backups.

https://faq.whatsapp.com/iphone/chats/how-to-restore-your-chat-history/?lang=en details this:

How to restore your chat history

Restore your chat history from an iCloud backup

Verify that an iCloud backup exists in WhatsApp > Settings > Chats > Chat Backup.
If you can see when the last backup was performed, delete and reinstall WhatsApp.
After verifying your phone number, follow the prompts to restore your chat history.

Note:

You must be signed in with the Apple ID you use to access iCloud and iCloud Drive must be turned on.
There must be enough free space on both your iCloud and iPhone. You need to have at least 2.05 times the space available in your iCloud account and on your phone than the actual size of your backup.
The phone number used for backing up and restoring must be the same. You can't restore the chat history from another WhatsApp account.
Because backups are tied to individual phone numbers, it is possible to have backups for multiple WhatsApp accounts stored in the same iCloud account

As for

Even with a comprehensive restore, IIRC, any credit cards in your wallet will need re-authorization.

You could confirm all of this except for the WhatsApp part with a virtual iDevice in the iPhone Simulator in Xcode.

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