It appears that I spoke too soon. My success was short lived.
But, this time I think it's truly fixed. I had replaced Windows Defender with Avira, but that didn't help at all. Avira did however remove a font file that I had downloaded which may have been a factor in the eventual outcome.
After I switched back to Windows Defender, I began to focus on the Windows.old folder. I had done a Disk Cleanup of system files with every option checked, but the Windows.old folder remained. When I tried to manually delete the folder, I got a message that
the files were in use. This struck me as odd so I began trying different methods to delete the files, all to no avail.
As a last resort, and out of frustration, I decided to reinstall Windows using the recovery method that removes everything and cleans the drive before you donate or recycle it. During the re-installation, I created a local account rather than signing in
with my Microsoft account and turned off everything I was given the option to.
I have since restored all of my files from my backup and reinstalled all of my applications (including Chrome). The two things that I have NOT done are sign in with my Microsoft account or set up OneDrive (the little cloud icon on my taskbar is greyed out).
If I decide to roll the dice and do either of these things, I will report back.
I did this on 11/22 and since then my disk usage has been at or near 0% no matter how many different tasks are running. I should mention that the Widows.old folder was initially gone, but returned after a Windows update.
If you are going to try this and are using File History as your backup, I will caution you that restoring your files could be a little tricky. At first, File History would crash every time I tried to restore, but it worked after Windows updated. I'm not
sure why that is.
Good luck. Hope this helps someone.