Update: I have started using the apps AutoStarter and Delay Start, which resolved the privacy settings load issues.
AutoStarter takes control of the login items, while Delay Start, as its name implies, allows me to decide the timing of the application load sequence for apps of my choosing. Important there is no duplication between the login section of Settings>General and those included in either of these two apps.
Once installed, AutoStarter will appear in Settings>General “allow in the background” section. There, make sure its toggle is on. Also, within the app, include Delay Start, positioning it at the bottom of any items you have added here.
For the Delay Start app, I included any apps that were causing problems in the default startup sequence after logging on. That included PathFinder, Default Folder X, and Bartender 4.