What I disagree with are claims like:
"It got so hot I couldn't touch it."
116F is pretty toasty. Some set their hot water heaters around that level.
"Titanium frame doesn't conduct heat as well as SS so it gets hot. "
This one is false. Titanium is about 53%
better than stainless and neither are stellar as metals go. Titanium has about 8-9% the thermal conductivity of aluminum. As your case example illustrates, anything you put outside the aluminum heat sink is going to reduce the effectiveness of the heat sink.
The second one is not based on what is actually happening since it has been shown that the Titanium frame is laid over aluminum and both being metal getting hot demonstrates that the metals are conducting heat away from the internal electronics and battery and radiating the heat to the atmosphere.
That doesn't address the issue that the phone is getting that hot which ultimately reduces its ability to sustain its highest performance capabilities.
As I stated before, my iphone 11 Pro Max gets warm when charging with any quick charge power source and it has lasted with normal battery degradation.
My beef is about how hot the phone got while doing things rather than when fast charging. You can't deflect one by arguing the other is bad or worse. If it can only run at full clock speed for a few seconds, all that raw power must be sacrificed for long-term survival.
When I activate my new 15 Pro Max. I will take some thermal measurements as it is activated to see what all the brouhaha is all about.
By the time you get your phone, Apple will have "addressed the issue" with an OS update. Since Apple doesn't document their benchmark regimen, there won't be any way to test how much performance is lost for the number of joules lost.
If the heat is excessive on the outside of the case, rest assured that it is much warmer on the inside. Apple isn't exactly a stranger to bulging batteries while under high computing loads.
It doesn't matter how many apps you have running if most of them are idling. It is when you're employing all of the power cores and the casework can't conduct the heat away fast enough that there's cause for concern. Throttling addresses that issue but it negatively impacts the stated performance of the device.
Cases just add another blanket.