>>1. Can I not get these issues resolved by using the Reset method within Windows Settings?
You can try Reset for sure, but chances are it may fail too. Also, a clean install gives minimal problems in the future compared to a reset hence suggested.
>>2. Do I need to do a clean install removing all files? Wouldn't reinstall with retaining files but not applications work?
You can move the files to a different drive and do a clean install. It is always recommended to format OS drive for maximum benefits.
I have another thing to suggest to you - a fresh start, which is available for 1909. This should keep the files and reinstall Windows from the cloud. If that doesn't work, do a clean install.