Multiple Bugs since update to 1.21.30 (PC)

I have submitted several help requests on these issues, none resolved, so I'm opening a bug report.  I've seen some existing reports that are somewhat related, but nothing that exactly matches all the issues, which seem to stem from the same root – update to 1.21.30 in August (or so) of 2024.

The issues seem to have started in August... before that, I had zero issues.

Evidence/Symptoms - 9 out of every 10 times I attempt to start my game in a Realm that I own, one or more of the following occurs.  If I keep trying, I eventually get to play; often takes 10-12 tries before I get in-game:

1. I'm able to start the Realms login procedure, but during the loading, it gives me the "You need to authenticate to Microsoft services" error
2.  The realm is showing as unavailable - "Unable to connect to the Realms"
3.  The realm is showing as unavailable with a different error - "We cannot connect to the realms right now"
4. Cannot connect to the Marketplace – at all

Every time I play:  While the game is playing, whenever I step away long enough for it to time out (playing windowed), it goes back to the main menu as expected, but I get the unable to connect to the Realm error.  So then I have to start the process over from the top.

Every time I log in, my character's outfit defaults to the "steve" top.
It says that I no longer have ANY Marketplace purchases (free or otherwise).  I had around 100.  
WHAT IS THE DEAL WITH THAT?

This is really ridiculous.  I don't have any of these issues on Xbox or iPad.

One thing that is in common with playing on Xbox, PC, and iPad, is that the load time is now 5x longer to get into the Realm than it did before the update.