I managed to create several bootable Windows 10 USBs on Mac (Mojave, Catalina and Big Sur) in recent years. Here are my thoughts.
If you are using a newer Windows 10 ISO (after version 201809), then UUByte ISO Editor is the best app for creating a bootable USB on Mac. It automatically splits the large ISO file into small parts so the Windows installation files can be sit on a FAT32 partition, which is the only working file system supported by Mac for Windows install. Also, this app works on latest Ventura and M1 Mac as just tested it on a M1 MacBook Air with macOS Ventura 13.2.
Here is a nice tutorial for creating bootable USB on Mac:
https://www.uubyte.com/make-windows-10-bootable-usb-on-macos-big-sur.html#2
If you are using an old version of Windows 10 ISO, then Boot Camp Assistant can help you get this done easily. It is a built-in free app shipped with macOS by default. However, this feature is removed from Boot Camp app on macOS Big Sur. You can still use this app for creating bootable Windows USB on Catalina and Mojave as far as I know.
p.s Balena Etcher does not support Windows OS. You will receive a warning message when trying to import Windows 10 ISO into the program and it recommends other tools instead for burning Windows ISO.