Looks like there is no way to create a valid ISO just from Software Distribution Download anymore, it is missing all the needed apps.
Have to download from UUP-dump also with last build 22610.
Also, the loop of W.U. and Error 0xc1900401 after an upgrade done with ISO is not going away. It almost looks like created on purpose by MS to force using W.U. instead of the ISO file.
The same issue occurs also with official MS ISO 22579 and 22598 when upgrading from previous 22H2 builds, the problem does not happen when upgrading from Windows 10 19044.xxxx or Windows 11 22000.xxx, also it does not happen when doing an update/repair in place to the same build that was previously successfully updated with W.U.
This is really annoying and forcing me to download over and over the same update for multiple PCs.