I found a very possible solution.
Go to settings - > network -> status -> change adapter options
select your wifi adapter. right click and select "properties"
select the first "configure" button
go to the "advanced" tab. select "preferred band" and select "prefer 5GHz band"
This will force your wireless adapter to stay on the 5GHz band of your router.
If all your devices intend to use the 5GHz band, disable the 2.4GHz band on the router (although not recommended as many other devices such as IoT uses the wider, slower band)
The BUG:
I appears that windows will constantly hunt for the stronger signal even if it is the slower signal. For example, if you were moving around your house with your laptop, you may have started on the 5GHz band, but it picks up the 2.4GHz as stronger, and goes on there. Your network speed instantly drops. (this will even happen if you are stationary).
HOWEVER, even if you go back to an area with strong 5GHz coverage, windows does not return to the 5GHz speeds. For whatever reason, the speed stays limited to the slower output. That's why if you reboot or turn off and on the adapter, it resets it and you get max throughput again.
Microsoft should really fix this bug.