Improve query performance in SQL Server 2012

Question

I have a table with 150 million rows with a non-clustered index on userId. I have to write a query to filter on userId and return all the rows if the productType is not SIG and return only rows greater than the last 90 days if the productType is SIG. All the columns from the table shoule be returned (unfortunately).

I created a similar table with about 10 million rows. Took me about 10 min to create it.

Execution plan: https://www.brentozar.com/pastetheplan/?id=HJM-XOq0j

The optimizer does an index seek on the userId and then does a key lookup to get the rest of the columns and also applying additional criteria. Is there a better way to do this?

set nocount on

Declare @userId UniqueIdentifier, @i Int = 0, @j Int = 1, @k Int = 1, @productType Varchar(100)
Declare @date datetime, @userId1 varchar(100)
Declare @type1 varchar(100),
@type2 varchar(100),
@type3 varchar(100),
@type4 varchar(100),
@type5 varchar(100),
@type6 varchar(100),
@type7 varchar(100),
@type8 varchar(100),
@type9 varchar(100),
@type10 varchar(100),
@type11 varchar(100),
@type12 varchar(100)

Create Table #tmpProducts
(
productId Int primary key Identity(1,1),
userId UniqueIdentifier,
productType varchar(100),
createdDate Datetime,
type1 varchar(100),
type2 varchar(100),
type3 varchar(100),
type4 varchar(100),
type5 varchar(100),
type6 varchar(100),
type7 varchar(100),
type8 varchar(100),
type9 varchar(100),
type10 varchar(100),
type11 varchar(100),
type12 varchar(100)
)

While @i<=100
begin

  --declare @msg varchar(100) = 'step' + convert(varchar(10),@i)
  -- RAISERROR (@msg, 0, 1) WITH NOWAIT
    set @userId = newId()
    set @userId1 = convert(varchar(100), @userId)
    set @j = 1
    set @k = 1
    while @j <= 5
    begin
        Set @productType = Case When @j = 1 Then 'SIG' 
                            When @j = 2 Then 'FIG'
                            When @j = 3 Then 'MKT'
                            When @j = 4 Then 'LPP'
                            When @j = 5 Then 'POC'
                           End

          while @k < 100000
          begin
            print @k
            set @date = case when @k < 1000 Then  DateAdd(day,-180,getdate())
                             When @k > 1000 and @k < 99500 Then DateAdd(day,-91,getdate())
                             else getdate()
                          end
            set @type1 = @userId1 + convert(varchar(10),@k) + '1'
            set @type2 = @userId1 + convert(varchar(10),@k) + '2'
            set @type3 = @userId1 + convert(varchar(10),@k) + '3'
            set @type4 = @userId1 + convert(varchar(10),@k) + '4'
            set @type5 = @userId1 + convert(varchar(10),@k) + '5'
            set @type6 = @userId1 + convert(varchar(10),@k) + '6'
            set @type7 = @userId1 + convert(varchar(10),@k) + '7'
            set @type8 = @userId1 + convert(varchar(10),@k) + '8'
            set @type9 = @userId1 + convert(varchar(10),@k) + '9'
            set @type10 = @userId1 + convert(varchar(10),@k) + '10'
            set @type11 = @userId1 + convert(varchar(10),@k) + '11'
            set @type12 = @userId1 + convert(varchar(10),@k) + '12'

           Insert Into #tmpProducts values (@userId, @productType, @date,@type1, @type2,@type3,@type4,@type5,@type6,@type7,@type8,@type9,@type10,@type11,@type12)
           set @k = @k + 1
          end
        set @j = @j + 1
    end

    set @i = @i + 1
End

Create nonclustered index idx_ptype on #tmpProducts(userId)

Select * 
  from #tmpProducts
 Where userId = '78EAC797-4399-4D4A-A8E3-54F2732EE0E0' --replace the memberId with the id from your dataset
   And (productType != 'SIG'
     or (productType = 'SIG'
           and createdDate >= Convert(date, dateadd(day,-90,getdate()))
        )
        )

--drop table if exists #tmpProducts