Thanks for the suggestions Robert.You could do the usual system file checks using SFC and DISM to ensure no problems with them.
You could try another Microsoft safety scanner utility to see if it finds a virus (one they might affect Defender’s operation):
https://learn.microsoft.com/en-us/microsoft-365/security/intelligence/safety-scanner-download
I am running a Safety Scan now. I thought when I kicked it off I pointed it at the C:\users folder, but it has been running now for almost 30 minutes and checked over 2M files (which is way more than I expected under C:\users) and so far says 31 files infected. I will have to wait until it's done to see which files those are.

The progress bar is not an absolute - it fills up to 100% and then resets to 0 and starts again, and cycles and cycles. So no idea how far it has really gone or has to go.
At a glance I am not sure how to make use of DISM - seems like a big hammer for a single task. I've bookmarked the webpage for further study. Same with SFC,
BTW, this Safety scan is still running and it nowhere near pounds the CPUs like the antivirus scans did. I still plan to have a chat with Microsoft Support once I get my thoughts clear.
Peter
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