I struggled with this same issue for months and couldn't find a permanent solution - everything I tried only improved WiFi speed temporarily.
I have now found a permanent solution - configure Surface Laptop to only use the 2.4 GHz
If your WiFi router offers the ability to setup separate 2.4 GHz & 5 GHz networks, connect your Surface Laptop to the 2.4 GHz network instead of the 5 GHz.
If your WiFi router doesn't offer this functionality, you can configure the wireless network card to only use 2.4 GHz within the Device Manager properties - set the BAND option under Advanced to "2.4 GHz only".
All my performance issues went away once I gave up on using 5 GHz - this is unfortunate since 5 GHz does offer the potential for greater speeds, but at least my connection speeds no longer drop down to nothing on a regular basis anymore...