I have similar issues with my iPhone 16 Pro on iOS 18.1 (and 18.0 previous) connected to a Unifi UDM Pro and U7 Pro AP.
Connected to our home WIFI via WIFI7 all network activity stops intermittently a few times a day until I disable and re-enable WIFI on my phone. It will then continue to work for hours before it happens again. The Settings still show an IP address and as connected to WIFI. My router shows the device as still connected as well.
iPhone 12, 13, Google Pixel 8 and other WIFI devices have no issues connected to the same network (albeit WIFI6 or 5).
Very frustrating because you don't even know that you're dead in the water until you try and do something, then you cycle wifi and in flows all of the notifications that you missed.