SwiftUI, (but not specifically "SwiftUI", more of paradigm) is not the right tool to incremental changes of large portion of data, and SwiftUI specifically is very bad at it and offer no good API to make incremental changes more optimal. That's one of the reason behind why Apple to this day did not ship usable SwiftUI text view component.
They did last year. I can understand why you're confused, since it came in the form of the radically-improved `TextEditor`. https://wwdcnotes.com/documentation/wwdcnotes/wwdc25-280-cod...