Okay, my latest update. Since my system was much MORE stable after the dirty reinstall, but not 100% stable, I decided to bite the bullet and wipe everything and start from a fresh Big Sur install, but this time just selectively install apps that I am REALLY using right now, and copy over all my documents, etc., rather than using Migration Assistant.
Thus far, having used my machine for around 8 hours since I did this, no freezes so far. I will report back once I've tried this for longer. I have read other people doing this and it worked for them. It's a huge pain although it's ameliorated if you use iCloud to sync photos and settings and keychain etc. Also helps that Chrome syncs all my browser settings so I didn't have to recreate all my bookmarks and passwords and so on.