ISP direct 200Mbps: Opnsense or new backup linksysE5400 fetch 90Mbps and lower

[floydian]

I could really use some advise.  Forgive me as I am not certain I am the expert most of you are, but I know enough to be dangerous.  I have been getting choppy outbound voice on Zoom meetings and general slowness which it is affecting my job.
 
When I installed the system in 2017, I believe my ISP only provided me 60Mbps and I think I only got about 20 or 30 but since everything worked, I put up with it I guess.  Now the ISP is delivering 200Mbps.  If I connect my laptop directly to the modem no firewall I get 210 to 230.  As soon as I put this router in place, it peaks in the low 90's but isn't consistent even dropping as low as 1.xMbps and up 0.0.  The ISP says no problem must be router.  I do know I got hit by lightening 3 weeks ago taking the POE switch and one POE IP CAM out.  Figuring there is a possibility of a modem might have better negotiation managed under a soft tcp stack on a computer vs opnsense firmware.  One thing I think I should do is take the modem in for exchange to eliminate that. 
Knowing I have this issue, I bought a $50 linksys e4500.  It behaves the same way.  Low 90s and often drops down to single digits even for a few moments. 

I have:
OPNsense 20.1.9_1-amd64
FreeBSD 11.2-RELEASE-p20-HBSD
OpenSSL 1.1.1g 21 Apr 2020

MODEM
Spectrum D3.1 eMTA
DOCSIS 3.1

Hardware is on a Supermicro 1U server E7400 Core 2 Duo 2.80 GHz which came with a single NIC and I pulled a 4 port NIC out of a dell poweredge (NIC MAC if helps 00:15:17....) 
Both LAN and WAN show at dashboard as 1000baseT full duplex NOT 100. 
WAN is reporting both an IPv4 IP and IPv6 address

During my testing, I have excluded the entire network switches and devices as I have many.  I tested with a desktop hard wired pc, and a laptop with hard wire and wifi, and my phone. 

aside from swapping out the modem with I plan to do today, are there any other suggestions?  Is my hardware to sucky and I just don't know it?

[floydian]

No Ideas? Dumb Question???