Creating a Primary Key on a temp table - When?

Question

I have a stored procedure that is working with a large amount of data. I have that data being inserted in to a temp table. The overall flow of events is something like

Answer 1

When you add PK on table creation - the insert check is O(Tn) (where Tn is "n-th triangular number", which is 1 + 2 + 3 ... + n) because when you insert x-th row, it's checked against previously inserted "x - 1" rows

When you add PK after inserting all the values - the checker is O(n^2) because when you insert x-th row, it's checked against all n existing rows.

First one is obviously faster since O(Tn) is less than O(n^2)

P.S. Example: if you insert 5 rows it is 1 + 2 + 3 + 4 + 5 = 15 operations vs 5^2 = 25 operations