So, just today I *think* I've found out my problem. This doesn't answer all of the other problems with Apple Bluetooth mice nor Wi-Fi issues I've had both with this and with other computers in various places over the last few years, but let me explain what the mess I have in my setup (mostly behind my monitor):
2018 Mac Mini with 64Gb of RAM, fastest processor and 1TB SSD.
Core X GPU with Sapphire Pulse Vega 56 card.
LG 34" Curved Wide Screen display.
USB 2 hub attached with USB C adapter.
Focusrite Scarlett 2i2 audio interface (very common) now going through a ART DTI Dual Transformer/Isolator Audio Interface (thinking unbalanced wiring was both an audio and electronic interference issue).
Linksys Mesh network node nearby that I'm hard-wired into.
KRK Rockit 6 Audio Monitors.
Old Logitech Subwoofer from a 2.1 computer setup (this was the problem for me).
Furman Power conditioner with new Belkin power strips attached to. All power attached to this and into a possibly dirty ground.
While trying to move the new Mac Mini away from all of the above listed gear, I accidentally unplugged my subwoofer. My audio interference disappeared and so did my bluetooth issues.
I also did a speed test and my speed jumped by about 25% for the better.
I'll update if this changes.