Hello Joseph_S.
Thank you for the detailed response. Troubleshooting is half way through and I thought I'd share progress as suggested to see I am on the right track.
So, SMC reset did not solve the problem. Kernal_Task CPU continues to jump high, up to 628%! at times, the mac mini box becomes very hot and the fan works very hard. I had a new symptom the other day whereby the mac shuts down itself, potently due to the high heat?
I do notice that Kernel_Task CPU jumps high when i.e. we use YouTube (among others). But, we always used YouTube and it didn't drive high CPU before.
I also tried safe mode but, strangely, things didn't work well at safe mode: screen was flashing when using google or YouTube, switching between apps took long time, etc.. However, I let YouTube run to see if it drives the same high Kernel_Task CPU and it didn't...
Am about to check with another user as suggested.
Does all make sense? any recommendation on how to fine-tune troubleshoot is appreciated. The whole computer usage is not very usable with the current high CPU issue...
Thanks again!