You did quite a bit of valuable troubleshooting. It would appear the problem is isolated to your User Account, and determining exactly what that might be can be challenging.
Consider using EtreCheck. How to use the Add Text Feature When Posting Large Amounts of Text, i.e. an Etrecheck Report - Apple Community contains a download link and instructions for posting its report in a reply to this Discussion.
Here's the obvious challenge with doing that, since your User Account cannot reach the Internet. You will need to create a new, temporary User Account in order to connect to the Internet so that you can download that app: Add a user or group on Mac - Apple Support. Do that, download the app, and then drag the app icon to that Mac's Shared folder: Share files with others who use your Mac - Apple Support.
Log out of that temporary User Account and log into your usual one. Run Etrecheck. It can be run directly from Shared, or you can drag it to your Desktop for convenience; doesn't matter. When EtreCheck finishes it will create a report that you will need to copy (use its "share" icon > Copy) and paste into your favorite "text only" text editor app. Save that report in Shared.
Log into your temporary User Account, open the text file containing the report, Copy All, then attach it in a reply to this Discussion following Old Toad's instructions linked above.
I realize this will be tedious, and the report's readability won't be ideal since it will lose some formatting, but such is the nature of your particular concern.
You can get rid of the temporary User Account if you so choose: Delete a user or group on Mac - Apple Support. Same goes for the EtreCheck app; you can keep it or dispose of it as you please.
Please write back if you run into trouble.