With the disclaimer that it's early days, I have now had 24 hours at high speed. It looks like there's a problem with the wifi6 protocol. I changed 802.11ax to 802.11ac and SO FAR I have not had a 20MB/sec speedtest with about ten tries over 24 hours. Fingers crossed again.
Scratch this: 20MB/sec again. Ugh.........
I just edited 802.11ac back to 802.11ax and the speed is back up! It seems like ANYTHING I touch in the properties of the Intel driver gets the speed back for a period of time.