Ok so I tried that and the most recent update that I didn't have was KB5020030. Installed it and timed the reboot - started it at 9:09 and the Welcome screen finally went away at 9:21. I think it is getting worse. I am just leaving the computer on all week and only turning it off on weekends because I just can't be waiting this long to set things up in the morning. But I wanted to thank you for the suggestion.
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