Until you hit 'Search' at the bottom right it shows you a preview result set - that can differ completely from the one you get then. Because two are not enough, they added a third with 'Siri suggestions' as top row. Which is not in the Search settings but in the ones for Siri. The iOS docs[1] misname it as 'Suggest App' when it is called 'Suggest Apps Before Searching' which only the iPadOS docs [2] get right. Did I mention they cut useful info from the iOSv26 version[3] and changed the URL?

[1]: https://support.apple.com/guide/iphone/about-siri-suggestion...

[2]: https://support.apple.com/guide/ipad/about-siri-suggestions-...

[3]: https://support.apple.com/guide/iphone/turn-siri-suggestions...