I may also be wrong about ECC CPU support, ECC supported memory is extremely expensive right now; The memory in the computer I gave away definitely was not ECC supported.
I am very much at a loss. Any advice, guide/instruction links, or anything else would be greatly appreciated. I have very little practical knowledge on file transfer and am at my limit of understanding nor being able to find information online about my specific issue here that is not 15-20 year old forum posts.
I should have included this information in the first post.
The home server currently is Windows 11, using openSSH optional feature for SFTP. SFTP dir is on a WD RED hard drive.
If the hardware age, ram config, etc matters to this issue:
CPU is an i7-8700k with a 4 dimm 32gb ram. The bios was updated to the newest one for 2026.
The hardware I gave away had an R7 9700x with 2 dimm dual channel 32gb ram.
While on the R7 9700x, I used SMB and don't recall any issues to this extent. Although it was awhile ago.