Hi Derek
Thanks for your prompt response as below. I did run the update, it has partially solved the issue. Apps often end up with NOT RESONDING (like MS Excel, Outlook, Word, Pictures opening in Photos app etc. Opening & Saving files still take up a longer time compared to situation before reformt and fresh install+update to latest Win11 updates. Wondering whether to do the whole exercise again.
I resolved my issue by installing the Cumulative Update for Windows 11 version 22H2 for x64. It took a while, but fixed all of my issues.