请教 SQL 子查询的性能问题

我这里有个列表查询如下，两张表是 1 对多的，实际上字段比较多例子上做了些简化，数据量应该就 10 到 20 万左右 , 要分页和做筛选，

现在有个问题，如果在 where 里写条件会影响 GROUP_CONCAT 的结果
我能想到的就是把 select 或者 where 之一改为子查询，
但是不确认会不会产生性能的问题，想请大佬确认看看有没有更好的方法

SELECT
    u.id,
    u.name,# 小王
    GROUP_CONCAT(i.email) AS email,#[email protected],[email protected]
    GROUP_CONCAT(i.phone) AS phone #13711112222,13966665555
FROM user u
     LEFT JOIN contact i ON u.id = i.ref_id
GROUP BY u.id;

 方式 1
SELECT
    u.id,
    u.name,
    GROUP_CONCAT(i.email) AS email,
    GROUP_CONCAT(i.phone) AS phone
FROM user u
     LEFT JOIN contact i ON u.id = i.ref_id
WHERE u.id IN (SELECT ref_id FROM contact WHERE phone LIKE '%137%')
  AND u.id IN (SELECT ref_id FROM contact WHERE email LIKE '%abc.com%')
GROUP BY u.id;

 方式 2
SELECT
    u.id,
    u.name,
    (SELECT GROUP_CONCAT(email) FROM contact WHERE u.id = ref_id) AS email,
    (SELECT GROUP_CONCAT(phone) FROM contact WHERE u.id = ref_id) AS phone
FROM user u
     LEFT JOIN contact i ON u.id = i.ref_id
WHERE i.phone LIKE '%137%'
  AND i.email LIKE '%qq.com%'
GROUP BY u.id;