Well it's just a theory;-)
But AC do run on 5G, you may need to disable AC (using N on 5G instead) to prove it's AC and not 5G. And even if N on 5G works, there is no guarantee that AC on 5G would also work.
The quickest way to ensure this is not the problem, though, is to check what channels are available on 5G on your AP. You should be able to login to your AP and change the setting. If you are seeing proper US channels as listed in the link below -
https://en.wikipedia.org/wiki/List\_of\_WLAN\_channels
Then your AP is most likely up to date. From there you can try to use a fixed channel (instead of Auto) and see if things improve. It's recommended that you use different SSID for 2.4G and 5G for easy troubleshooting.
Not sure which APs you bought, but I won't be surprised if the firmwares are not updated enough to cooper with latest changes. The reason your other workaround works can just be that both the your USB stick and AP are on the same (old) implementation (which
ironically works). If you have no preference, I would recommend later models from Asus and Netgear, they do update firmware frequently.
BTW you should be able to run N on 2.4G, in practice you probably don't lose too much speed.
Additionally I have the ask the obvious - did you get your Surface locally - Is that an US SKU? It's already a known issue (another great pain) that Surface will (now?) stick to the Wifi Channel where the SKU is supposed to be sold. As far as I can tell,
this issue has not been fixed.
I don't work for Microsoft, just try to help;-)