I found Alan's excellent explanation.  See if this meets your needs.
Read through it completely before deciding.
>From Alan:
Hi List,

I decided to make detailed notes of the steps involved in setting up a new 
iPhone mainly for my own benefit since I forget what is involved as I only do 
this every couple of years. In my case, I bought this SE 2020 directly from the 
Apple Store app with no SIM card included since I have a prepaid Verizon plan 
and could not specify my carrier successfully when ordering. The below numbered 
list will be very detailed since I'd rather have too much information than not 
enough. Any settings provided came from my iPhone 8 running iOS 13.4.1.

1.      Opened iTunes on my Windows 7 computer, verified I was running its 
latest version of 12.10.6, connected my iPhone 8 using the lightning cable, and 
did an encrypted backup.
2.      Did an iCloud backup by going to Settings - Alan Lemly - Apple ID - 
iCloud - iTunes and App Store, iCloud, iCloud backup, and executing Backup now.
3.      I read a lot of books using the BARD Mobile app and since any books 
downloaded to an iPhone are not transferred to a new restored iPhone, I made a 
list in an Excel file of the downloaded books I wanted to re-download to my new 
iPhone and the location of any current reading position in those books.
4.      I plugged my lightning cable connected to my computer to the new phone 
and the Apple logo appeared on the screen. The white screen appeared a few 
seconds later with the cycling languages appearing and I pressed the home 
button 3 times quickly to turn on Voiceover. Although I was hearing clicks as I 
swiped, Voiceover did not start talking until a number of seconds later. In 
fact, I pressed the home button 3 times again because I wasn't sure I had 
turned Voiceover on. This turned Voiceover off and I had to press the home 
button 3 times again to turn it back on and I heard Voiceover say hello and 
when I swiped once, Voiceover said press home to open.
5.      I pressed home and Voiceover said Setup and put me in a list of 
language buttons with English at the top. I double tapped on English.
6.      The screen which opened said Select your country or region heading. I 
double tapped on the United States button which was the first in the list.
7.      The screen which opened said Quick start heading Bring your current 
iPhone or iPad near this iPhone to sign in and set up. The older iPhone must be 
using iOS 11 or later with Bluetooth turned on. There was a button at the end 
to Set up manually.
8.      A screen opened on my old iPhone to set up a new iPhone using my apple 
ID with a button to continue. A screen appeared to position some pattern in a 
circle but I double tapped the Authenticate manually button instead.
9.      I was prompted to input the 6 digit authentication code displayed on my 
new iPhone using the number pad screen on my old iPhone. My new iPhone then 
prompted me to enter my passcode of my old iPhone. I had to double tap each 
number on the on screen number pad on my new iPhone since touch typing was not 
turned on.
10.     I was prompted to set up touch ID on the new iPhone which I did.
11.     Several screens were presented asking me to place my finger and lift my 
finger which I did. I was then taken to a screen which said Adjust your grip 
and it said keep going to capture the edges of your grip. I double tapped a 
Continue button at the bottom of this screen.
12.     I was then prompted to again place and lift my finger until I got the 
Complete message. Touch ID is ready was spoken and I then executed the Continue 
button at the bottom of that screen.
13.     The next screen said Transfer your data heading. The explanation said 
you can directly transfer your data during setup or finish downloading it 
later. Buttons on this screen were Transfer from iPhone, Download from iCloud, 
or other options. The Transfer from iPhone said the time to transfer was about 
1 hour. The download from iCloud said I could start using my iPhone in about 15 
minutes and my data would download later over wifi. I executed the Transfer 
from iPhone button.
14.     I was taken to a Terms and conditions screen on the new iPhone where I 
double tapped an Agree button in the bottom right corner.
15.     I was taken to a Settings from other iPhone heading screen where it 
listed some settings about allowing Siri to use voice input, contacts, etc. and 
allowing maps to use my location. I executed the Continue button at the bottom 
of this screen without customizing any settings.
16.     I was taken to a Keep your iPhone up to date heading screen which was 
basically a commercial for updating iOS automatically. At the bottom of this 
screen was a Continue button followed by an Install updates manually button. I 
chose the Install updates manually button.
17.     I was then taken to a screen to Add cards to Apple Pay. Instead of 
executing the Continue button, I chose to Set up later in Wallet which was a 
button that followed the Continue button.
18.     The next screen was an Improve Siri and dictation heading. The choices 
were to Share audio recordings or Not now. I chose to Share audio recordings.
19.     The next screen was App analytics heading. This is to help developers 
improve apps by sharing app activity and crash data. I chose to Share this data.
20.     I then got a screen saying my other device included purchases from the 
iTunes Store that were made with a different Apple ID. I was prompted to enter 
the password for the Apple ID mixrnb_wal...@usa.com. I have never purchased 
anything on my older iPhone other than with my Apple ID so I executed the 
button to Skip this step. I believe I got something similar when setting up my 
iPhone 8 from my iPhone 7 and I'm perplexed where this Apple ID originated.
21.     I received an Are you sure dialog which I Skipped again.
22.     Screens on both devices now said Transferring data and to keep the 
devices connected to power. Voiceover announced the percentage progress. After 
receiving the 100% progress message after about an hour, the screen on my new 
iPhone dimmed with nothing said by Voiceover.I thought I could detect the Apple 
logo in the center of the screen but it was very dim and nothing was spoken. I 
decided to reset the new iPhone so I pressed volume up, volume down, and held 
the power button until the Apple logo appeared as it normally does when 
powering on. I was then ptompted to update the phone which I assume was due to 
an older version of iOS on it than the 13.4.1 which was running on my iPhone 8. 
I must say that Voiceover was a bit deficient in providing meaningful help with 
this step. But I approved the update and the phone restarted and prompted me 
for my passcode which I provided and all my apps appeared to be installed in 
the same location as on my iPhone 8 but they were still being downloaded from 
the cloud. I received a notification that no SIM card was present in the new 
phone which was okay because I planned to move it over after all my apps 
downloaded. I also noticed that my Wallet did not contain my credit card so I 
decided to do an iTunes restore.
23.      The encrypted backup restore from iTunes went fine but I had to turn 
off Find My on my new SE before the restore would complete. The SE prompted me 
for my passcode at least a couple of times during the restore process.
24.     I had to agree to a couple of terms and conditions as my credit cards 
restored to my Wallet from the iTunes encrypted backup. This also required I 
enter my credit card security code for it to be added to the Wallet but this 
process went smoothly.
25.     Finally, the process of the 14 screens of apps to download from the 
cloud and the App Store is underway. This took about an hour and everything is 
restored.
26.     I used a push pin to remove the SIM card tray from my iPhone 8 and 
transferred the SIM to the iPhone SE. The SIM card has a notch in the upper 
right corner so will only fit in the SIM tray one way. I did power off both 
phones before transferring the SIM.

I have to say I think the sound of the SE 2020 is better than my iPhone 8 both 
from its speakers and with the wired earpods. I'm looking forward to enjoying 
this phone and will post back if I come up with anything I believe will be 
helpful.

Alan Lemly

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