I was finally able to resolve this problem with Microsoft.  I had to save/back up all of my files I wanted to keep first, and reinstall them and the software programs I use afterward, but the solution for me was a complete reinstall of Windows 11.

The process to get to the solution took weeks and multiple attempts with various repairs which did not solve the problem before getting to the solution.  Support personnel from Microsoft, Intuit, ProSeries, QuickBooks (I know, the last three are related but each has its own support team), and Dell ended up on first name basis with me and we could recognize each other's voices.

Hopefully this solution will be of use to others with the same issues without having to go through all of the frustrations and hours, days, weeks with Support that I had to.