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OK, let's take a tour of the settings in iOS 16 that are the ones most likely to burn a hole in your data plan.
I don't mind paying for something that I need and that's useful, but many of these services can wait until I'm on Wi-Fi.
And bear in mind that even if you have an unlimited plan, your provider may still limit how much high-speed bandwidth you have available.
If you have a totally unlimited plan, then you can leave all these on and not worry about any consequences.
Backing up over Cellular
This is one of those settings that Apple warns might "cause you to exceed your cellular data plan." It does an important task -- it backs up your iPhone data to iCloud -- but as long as you have Wi-Fi coverage on a regular basis (say a few times a day), this is a setting that can be safely turned off.
Go to Settings > [tap on your name at the top] > iCloud > iCloud Backup and tap the Back Up Over Cellular toggle.
People take a lot of photos and pushing these over the cellular network can use up a lot of data.
Go to Settings > Photos > Cellular Data. Here you have two settings:
Cellular Data: Uses a proportion of your allowance
Unlimited Updates: Full upload and download, which Apple warns "may cause you to exceed your cellular data plan."
Personally, I have both turned off because it's a heavy user of both data and battery.
Apps -- and app updates -- can be huge and downloading them over a cellular connection can take a huge chunk of your data allowance. Unless you're in some big rush to download or update an app, I'd wait until Wi-Fi is available.
Go to Settings > App Store and tap the Cellular Data toggle.
This is another one of those features that can use a lot of data if left unchecked. The occasional TV show might not be that bad, but streaming movie after movie is going to hit your data hard.
Go to Settings > TV and tap the Use Cellular Data toggle.
If on, under Cellular you have two options:
High Quality: Uses the most data
Automatic: Uses an optimized stream which uses less data