Most Efficient Way of Combining Large Strings for HTML Response

As to avoid confusion as much as possible and to get to the root of what I'm hoping to see is this. Let me start with a very simple snippet of code, and if you are willing, provide edits to it.

This is essentially how I have it today. How would you change it?

string returnHTML()
{

     String strHTML = '';
      
      int j =0;
      
      while (j < 20000) {
        strHTML += millis() + ": " + j.toString() + "This is a test.";
        j++;
      }

      return strHTML;
}