The `string` type offers an indexer property that allows you to treat it as a `char` array. Therefore, if you just need to access a specific character or iterate over all of them, the `ToCharArray` call should be omitted. For these cases, not omitting makes the code harder to read and less efficient as `ToCharArray` copies the characters from the `string` object into a new Unicode character array.
The same principle applies to https://devblogs.microsoft.com/dotnet/csharp-11-preview-updates/#utf-8-string-literals[utf-8 literals types] (`ReadOnlySpan<byte>`, `Span<byte>`) and the https://learn.microsoft.com/en-us/dotnet/api/system.span-1.toarray?view=net-7.0[`ToArray`] method.