iPhone X won’t finish iCloud restore

I would like to upgrade the iOS on my iPhone X from 11 to 12, but it will not let me because it says it has not finished the restore.

This began over to weeks ago when suddenly all of my text messages disappeared. I backed up the phone to iCloud and confirmed the back up success. Then I wiped the phone and began the restore process from iCloud, which appeared to be moving smoothly. I had assumed that it completed the restore.

In the time since I began this restore, there have been plenty of opportunities  when the phone was: plugged into the wall charger, asleep and connected to Wi-Fi. These are requirements for backing up and I assume the same for restoring from iCloud.

Since I do not know what remains to be restored, I am apprehensive about choosing the “stop restore” option. If I try to stop the restore, it says that I will lose all unrestored data.

Adding to my concern is that until the phone completely restores, it is not doing its back ups.

How can I determine what is left to be restored?  Or how can I force it to continue restoring? I don’t want to lose everything I’ve done the last two weeks waiting for this restoration. I cannot go on without backing up or forgoing upgrading to the new iOS.

Thank you.

Chris Leeds