Welcome!
You could have an issue with things that are neither Microsoft or Apple. If you have been ill-advised to install anti-virus, so-called "cleaning" or "optimization" apps, or a client-side VPN, you could have a self-inflicted wound.
If you have all your files stored in OneDrive, DropBox, or even iCloud drive and your internet connection speed is modest at best, that can be a real issue. Your computer needs time to access files that could be stored thousands of miles away. A VPN will slow than even more. When the servers are super-busy... well, you get the picture.
Software interferences can be hard to diagnose in this "hands-off" setting but there is a tool that is 100% safe. If you want a data-driven evaluation in this setting where we can neither see nor touch your computer, please post an EtreCheck report.
We can quickly and within the limitations of these forums help you determine what issues are at play without our playing a protracted game of "20 Questions" with you that could go on for days.
EtreCheck Pro is available here:
https://etrecheck.com/index
The free version will do nicely for this purpose, although the app is worthy of our financial support.
We can see hard data about drive performance, software issues and interferences, and RAM usage. Etrecheck is the development of a long-serving and trusted ASC contributor. It is a reporting app, not a "fix-it” app, expressly for displaying information in these forums to help us help you remotely. It will not reveal any personal or secure information.
Please see this excellent user tip on how to post long text reports like EtreCheck's into a forum response:
How to use the Add Text Feature When Post… - Apple Community
Please post the report unexpurgated. What seems insignificant to a new Etrecheck user can speak volumes to those of us who have reviewed thousands of those reports.