Many thanks Brenda and others for their contributions. Very oddly, since turning my Surface on this morning, Bluetooth (BT) has been working for the last 4.5 hours, but, of course, it may fail again at any moment! I think that those with continuing problems, should also put some feedback on the Feedback Hub.
It may be a longshot, but I suspected that the Your Phone' app may have been interfering with BT since the firmware update. Late yesterday, I had an unusual in-app update notification in the 'Your Phone', which I actioned. I say unusual because Your Phone app updates usually come via the Store and this didn't. So, I'm wondering if anyone else is using the Your Phone app and whether actioning the in-app update has changed the BT issue for you.