ASRock X870E Nova Disk Interaction Extremely Slow

Recently built up a system around this board
The system is slow to POST. At power on, nothing for a least 20 second, then a cursor appears upper left corner, and another 15 seconds then ASRock logo appears, Then another 23 seconds and the win11 loading circle appears. Then nearly 3 minutes before win login appears. Then about 10 seconds to the desktop. Once in win11, File manager has to reload the drive info each time it is opened. This take about 50 seconds

Disk Manager takes about 4 minutes to load. Refreshes take about as long if I maks a change.
This is a fresh install of win11 to a local only account, with little, to no bloatware. Both radios are turned off.
I've installed Win 11 twice and get the same results. Win 11 install files are from MS's website. Before first connected to the internet, drivers installed from ASRock/nvindia websites from previous downloads to a USB drive. Then MS updated until no more available. Next connect additional HDD's. Then browsers and apps. Reboots after each major install. This is my usual procedure.
I did several reinstalls of win11 to see if I did something wrong.
It takes a long time, say about 4 minutes, to get to the drive partition screen. This board takes a long time to POST. I first loaded MB defaults. Just to be safe.
At the partition screen, it will take 4-9 minutes to delete or format a partition depending on the size of the previously win11 make partition.
I have moved the Crucial T705 1TB SSD to different ports on the MB. I get the same behavior. I tried a cheap gen 3 Lite-On 256Gb SSD in different slots. Again same behavior.
I had to prepare the SSDs on a different computer, because of the frustration I had with the long waits from the win11 partition screen.
I was able to get win11 installed after each try. I made a different new boot install media USB drives, just to make sure my usually USB Win11 boot USB drive as still good. But same results. Win11 seems sluggish. File Explorer still has the 'Working On It...." msg each time it is opened. This takes about 30-45 seconds with just the one SSD in the system. No other drives attached through any of this testing.

What am I doing wrong? If you need more info, I am more than willing to find and post here. I can do experiments to help diagnose my difficulties.

Thanks
PS the bios defaults the ram to 4800 not the rated 6000

Parts:
CPU: AMD Ryzen 9 9900X Granit Ridge 4nm
CPU cooler: Phanom Spirit 120
Motherboard ASRock X870E Nova Wifi; BIOS 3.20 (the latest available)
Ram: 32GB Trident Z5 6000, Kit model number appears on this boards ram compatibly page.
SSD:PCIe Gen 5 Crucial T705 1TB SSD
GPU: ASUS 406ti OC 16Gb
PSU: Corsair SF1000
Chassis: NZXT
OS:Win11 24H2 currently
Monitor: Samsung LU28E

well, it looks like a drive problem. Maybe ram memory. If not than motherboard. The least i sus is cpu. You need to diagnose in that order.