Problem: File Explorer takes minutes to load, and/or open folders. The culprit was OneDrive used in Microsoft Account as a sign-in.
Solution: Convert your sign-in account from Microsoft Account to local account. Big thanks to this guy who found the solution to his own problem! https://answers.microsoft.com/en-us/windows/forum/all/onedrive-desktop-application-is-making-file/d035d9ab-2390-404d-be63-c0d71fc2983d
