Swift: The proper way to initialize model class with a lot of properties

How do you initialize your classes/structs with a lot of properties?

This question could probably be asked without Swift context but Swift brings a flavour to it, so I add Swift tag in headline and tags.

Let's say you have a User class with 20 properties. Most of them should not be nil or empty. Let's assume these properties are not interdependent. Let's assume that 33% of it should be constant (let) by the logic of the class. Let's assume that at least 65% of them do not have meaningful default values. How would you design this class and initialize an instance of it?

So far I have few thoughts but none of it seems to be completely satisfactory to me:

• put all of the properties linearly in the class and make huge init method:

  class User {
      // there is 20 properties like that
      let id : String
      let username : String
      let email : String
      ...
      var lastLoginDate : Date
      var lastPlayDate : Date
  
      // then HUUUUGE init
      init(id: String, 
           username: String,
           ...
           lastPlayDate: Date) {
      }
  }
  
  

• try to group properties into sub types and deal with smaller inits separately

  class User {
      struct ID {
          let id : String
          let username : String
          let email : String
      }
      struct Activity {
          var lastLoginDate : Date
          var lastPlayDate : Date 
      }
      let id : ID
      ...
      var lastActivity : Activity
  
      // then not so huge init
      init(id: ID, 
           ...
           lastActivity: Activity) {
      }
  }
  
  

• another solution is to break requirements a bit: either declare some of the properties optional and set values after init or declare dummy default values and set normal values after init, which conceptually seems to be the same

  class User {
      // there is 20 properties like that
      let id : String
      let username : String
      let email : String
      ...
      var lastLoginDate : Date?
      var lastPlayDate : Date?
  
      // then not so huge init
      init(id: String, 
           username: String,
           email: String) {
      }
  }
  
  // In other code 
  var user = User(id: "1", username: "user", email: "user@example.com"
  user.lastLoginDate = Date()
  
  

Is there a nice paradigm/pattern how to deal with such situations?