I tried disabling SysMain (aka SuperFetch/Prefetch) but this did not help. I re-enabled it and over the next few days the boot time gradually came down to what it was before updating to version 2004. I am guessing but what may have happened in that initially everything was loaded on start-up, but then gradually SysMain or something else only initially loaded those Windows programs which I use.
Incidentally the version 2004 major update was followed a few days later by the 20H2 minor update. I understand that subsequent updates will use the yyH1or 2 format.