Yes, I agree with some of what you said. But, MS has a history of this. I had issues on the lock screen with not displaying "what the photo is", after an update. Then another update, it came back, then another update is disappeared. It's like they are using wrong versions of the code.
And I thought the whole "WHQL hardware drivers", etc. was supposed to take care of the hardware issue? MS does a call to "Save Data", and the driver code handles that for the specific hardware manufacturer? And I am not taking hardware manufacturers off the hook either. They look for any advantage over other hardware. So they may skirt proper calls to make their hardware seem better. Sigh.
I have also tried disabling hardware, like sound, etc. But no luck. When 20H1 had the issue, I found a post linking sleep settings in the NIC card. I disabled them, problem disappeared. Now, with the new update, they are back again. I have reinstalled the latest build several times. Formatting the drive each time, erasing everything prior. Still same issue. I don't have the money right now to get a new computer, or even a new drive, or I would have done that before.
The problem I have noticed, that I can't resolve is, I run the Task Manager and sort by CPU. The highest it shows is like 30% usage, when system is freezing. But, I have a program, TrayStatus Pro 4.5, that I can view CPU status as well. And when the slow downs and freezes happen, its CPU usage is pegged at maximum, not 30% like in Task Manager. If I could get that info, maybe I could narrow down the issue causing my problem.
Thank you for your the information.