Thanks for everyone who's responding with their experiences.
I shut down the watch for about 30 minutes today, and it seems to be un-stuck from a constant reading of "100%". Now let's see if that shutdown also addresses the sharp drop in battery life (and instant shutdown when it gets low), which was also part of this overall issue.
It's impossible to set up an in-person repair right now because all the stores and repair shops are closed, and like others have said, if you send it to the Apple Repair Depot, the watch will pass their diagnostics test and you'll just get it sent back again. I'm more reliant on the watch right now because I have Zoom appointments 7 days per week during this pandemic, and the watch notifications/reminders really help.