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With subxt is straight-forward as you can access the types by generating them using metadata and use them in your fn arguments but in polkadot.js is kinda not straight forward as where and how the metadata types are being generated and used.
Example,
Referenda.submit() // the arguments are PalletCustomOrigins,DispatchTime,Preimage
This can be resolved using type augmentation in your codebase first,
so '@polkadot/api-augment/<chain>' This augments the types needs to be used inside the functions api ( txn, queries ).
And this gives clarity on what data types needs to be passed as function parameters.
It is straight forward for Kusama and Polkadot chains for custom chains first generate the types from typegen tool.
