Entity Framework: AsSplitQuery vs sequential execution of queries

I wondering what should work faster in Entity Framework Core. The one query with loading of nested items using .AsSplitQuery or a sequential execution of queries? E.g. I have the following db model class:

public sealed class UserDbModel
{
    public ICollection<OwnedClothesDbModel> OwnedClothes { get; set; }
    public ICollection<OwnedHairDbModel> OwnedHairs { get; set; }
    public ICollection<OwnedMakeupDbModel> OwnedMakeups { get; set; }
    //Other properties and collections
}

Option 1 is to load all the data I need in a query:

var user = await _dbContext.Users
                     .Include(u => u.OwnedClothes)
                     .Include(u => u.OwnedHairs)
                     .Include(u => u.OwnedMakeups)
                     .AsSplitQuery()
                     .FirstOrDefaultAsync(u => u.UserId == userId)
//Work with the user and owned items.

Option 2 is to load collections separately.

var user = await _dbContext.Users.FirstOrDefault(u => u.UserId == userId);
var ownedClothes = await _dbContext.OwnedClothes.Where(oc => oc.UserId == userId);
var ownedMakeups = await _dbContext.OwnedMakeups.Where(om => om.UserId == userId);
var ownedHairs   = await _dbContext.OwnedHairs.Where(oh => oh.UserId == userId);
//Work with the user and owned items.

I always thought that the first option should work faster, but some tests shows that it is not. The database I use is Postgres if it is necessary.