Using a downloaded ISO file should use much less bandwidth than repeatedly trying Windows Update: You only have to download the ISO once. You can use it like a Windows Upgrade, even if it is the same Winodws 10 version that you already have installed. Just mount the ISO file in Windows, which will create a new drive letter. Then run setup.exe from the new drive letter to repair or upgrade Windows. It preserves installed software and data files, just like upgrading via Windows Update.
By default, this method will also add-in the latest Cumulative Update (unless you tell it not to). There should be a new CU available on October 13, 2020.
You always have the option of backing everything up, creating USB bootable install media from the ISO file and then performing a clean install to a blank hard drive or SSD. But using an ISO file does not force you to do it that way.