Question about TanStack Form `formOptions` vs regular object

interface User {
  firstName: string
  lastName: string
  hobbies: Array<string>
}
const defaultUser: User = { firstName: '', lastName: '', hobbies: [] }

const formOpts = formOptions({
  defaultValues: defaultUser,
  // other options...
})

const form = useForm({
  ...formOpts,
  onSubmit: async ({ value }) => {
    console.log(value)
  },
})

interface User {
  firstName: string
  lastName: string
  hobbies: Array<string>
}
const defaultUser: User = { firstName: '', lastName: '', hobbies: [] }

const formOpts = {
  defaultValues: defaultUser,
  // other options...
}

const form = useForm({
  ...formOpts,
  onSubmit: async ({ value }) => {
    console.log(value)
  },
})