First the results of my testing which is crazy - something going on here that's unexplainable so far. As I mentioned above I went through the process of elimination with the non MS processes, and nothing revealed. I then did that with the startup programs, half by half, and when all startups disabled - I still have the problems. What the heck.
As I previouslyreported, I've already downloaded and scanned with malwarebytes with root kits etc as you suggested and only MS Defender running in addition. I've had heavy duty security/virus protection on for years with no intrustions, malware, viruses detected. I ran the system files checked as previously mentioned. I've run scans with malwarebytes, and before I uninstalled it, Acronis. So I seriously doubt it's a virus issue - the odds are very low at this point that it's related to that
That said I will do the other things you list above that I haven't done yet. I would appreciate it if you would look at this thread sequence with regards to my msconfig and startup program results to see if you see anything there.
Thank you