The first is to use a `With` method and rely on "optional" parameters in some sense. When you write `with { x = 3 }` you're basically writing a `.With(x: 3)` call, and `With` presumably calls the constructor with the appropriate values. The problem here is that optional parameters are also kind of fake. The .NET IL format doesn't have a notion of optional parameters -- the C# compiler just fills in the parameters when lowering the call. So that means that adding a new field to a record would require adding a new parameter. But adding a new parameter means that you've broken binary backwards compatibility. One of the goals of records was to make these kinds of "simple" data updates possible, instead of the current situation with classes where they can be very challenging.
The second option is a `With` method for every field. A single `with { }` call turns into N `WithX(3).WithY(5)` for each field being set. The problem with that is that it is a lot of dead assignments that need to be unwound by the JIT. We didn't see that happening reliably, which was pretty concerning because it would also result in a lot of allocation garbage.
So basically, this was a narrow decision that fit into the space we had. If I had the chance, I would completely rework dotnet/C# initialization for a reboot of the language.
One thing I proposed, but was not accepted, was to make records much more simple across the board. By forbidding a lot of the complex constructs, the footguns are also avoided. But that was seen as too limiting. Reading between the lines, I bet Jon wouldn’t have liked this either, as some of the fancy things he’s doing may not have been possible.