Swift/SwiftUI
There are many good tutorials available, especially for iOS. Deployment to an iOS device is simple. You have to ‘define’ Your device in Xcode, set that into developer-mode - and You can just select Your device in Xcode and run/compile that. Afterwards, Your app is on the device.
Swift is not that easy to learn, to get familiar with. Some tasks require further programming (printing, sorting, searching, etc.)
You’ll get a fully native app with all the native elements (Buttons, etc.), inclusive the new Liquid Glass (with the latest Xcode/Swift versions, that are early beta)
Xojo
Much less support (tutorials,) than with Swift. I stopped working with xojo in 2022/2023 (only SwiftUI today), so I’m not sure about changes in xojo.
I found it not so easy for iOS, but my focus at that time was macOS. As with Swift, printing, searching, etc. requires further programming. I found the xojo-listbox (?) cool, sorting was easier.
Developer Account (Swift-Apps)
If You want to deploy many apps to Your devices, I believe that a dev’ account is needed. If You want to use SwiftData for storage and CloudSync, a dev’ account is needed (IMHO)
AI
IMHO the future. If one can describe an app very well (requirements, inputs, outputs, etc.), AI should be able to create an app - in the future…
As of today, I’m not so happy with it. Some of the AI created apps (or parts of an app) would not compile in Xcode, You as the developer are never sure, if a solution/method is deprecated or not, etc.
Desperately missing time-stamps and sources…
The good thing with AI is, that You got much more a feeling of talking to a human (what is not the case when trying to get help on Apple forums…)
I’m developing apps for my personal needs, no app-store, mostly SwiftUI with SwiftData and CloudSync - and I’m still a beginner (-:
There are low-code environments that let You deploy an app to iOS - for example FileMaker Pro from Claris. Could be easier - but license are not cheap