Have you tried this, I have stumbled upon this recently and has made a night and day difference in my wired connection speed.
I bought a new network card because I suspected that at fault but it was something inside Windows 11 holding it off.
In Group Policy Editor ( Run > gpedit.msc ) navigate to Computer Configuration > Windows Settings > Policy-based QoS
Right click Policy-based QoS and then select Advanced QoS Settings.
On the Inbound TCP Traffic tab - ensure "specify the inbound TCP throughput level" is ticked and level 3 (maximum throughput is selected).
It seems by default in Windows 11 this is not ticked and behaves unexpectedly.
I tested my connection using Speedtest.net.
This fixed my problem where the download speed would steadily incease but never reach the speed at my router and other devices.
The upload was capped at around 190Mbps using Google Chrome. Microsoft Edge however had no problem reaching the full bandwidth from my ISP.
The ping on Speedtest.net never fluctuated as you would expect when downloading or uploading at higher speeds before I applied this.