The problem is fixed now. No idea what I did!
I've been working on this for over 24 hours. I was desperate enough I was trying to change ownership of the StableBit folder in my Google drive to a new owner within my organization. (No idea why I was trying this.. I was just trying anything to troubleshoot.) I got it.. but when I tried to mount the drive under the new Google account, it had to get the chunk IDs as I had deleted that folder in GDrive. After the drive mounted under new ownership, the drive didn't work properly. So I moved everything back to original owner, restored the chunk IDs folder. Mounted the drive, and wa-lah! Everything is working great. Although, after reading your message.. I bet this had NOTHING to do with fixing my issue.
I had absolutely NO idea there was a different I/O Settings for an existing mounted drive. I was using the I/O Settings in the top menu bar! OMG.. what an idiot. I bet any money that was my issue. So if I go down to Manage Drive and check the I/O Settings there... they all look good. (However, I did do another complete re-install of Windows. Which I realize was probably pointless now.)
Anyway, all is good and this is now resolved! I get 200Mbps - 400Mbps in download speed. Thank you!