Problem solved...bad WAN port (AND poor performing hardware/firmware)
Picked up a new Eero mesh router.
All cables Cat6. Testing using Speedtest.net. Internet service 300 Mbps.
Ethernet speedtest from Macbook to modem. 300 Mbps+
Ethernet speedtest from Eero to Modem. 300 Mbps+
Ethernet speedtest from PC to Eero to Modem. 300 Mbps+
Ethernet speedtest from Macbook to Eero to Modem. 300 Mbps+
Setup Airport Time Capsule as gigabit ethernet switch and network storage. WiFi off. Router off (bridge mode). Forced 1000 Mbps using PC Airport Utility from default auto.
Airport connected from WAN to additional ethernet port on Eero. Anything connected to LAN ports on Airport limited to 100 Mbps or less. Airport LAN connected to Eero. All additional LAN ports 1000 Mbps. Devices connected to Airport switch (Mac Mini, PC) all get 300+ Mbps to internet now.
My Macbook backups via WiFi to Time Capsule (gigabit LAN) are noticeably faster now too. Combination or stronger WiFi and gigabit LAN speed both an improvement.
I've read the Airports have limits and don't perform 100% to specifications. In particular the WAN to LAN performance...300-400 Mbps when it ran as a WiFi and router. 600-700 Mbps max if run in bridge mode. However, the big (noticeable) problem for me is when the WAN only worked at 100 Mbps. I believe this happened when a nearby lightening strike took out our cable modem, PC ethernet and PS4 ethernet. Anyway, that my best guess at this point.
The Eero Mesh set-up is working like a champ. Way better WiFi performance/speed and coverage. WiFi is close to 300 Mbps near the main router and 250-275 Mbps throughout every practical area of my 1700 sqft house. Only using 1 beacon too. Outside back patio/pool area gets 170-60 Mbps. Not too bad for a block home with low-e double pane windows. I may try a second beacon to improve outside speed but what I'm getting now is totally usable.
Had I not had faster internet, I may have never have noticed the issue. Any service 100 Mbps or lower would have not revealed it...and I would have also never realized how fast my LAN should be performing with local transfers. Almost instantaneous now.
Anyway, hope this helps someone else.