Not exactly 8-)
I avoid throwing money at problems until I at least _think_ I understand them.
For the moment it's fairly clear I don't understand.
The only hint so far is an error message from journalctl -g wlan0 saying " association took too long ".
At that point the Pi5 appears to start scanning 5 GHz access points, despite being told otherwise in /etc/NetworkManager/NetworkManager.conf . That looks to me like a software problem.
There's on oldish thread that seems related here:
Unfortunately, the thread ended months ago, without resolution.
Thanks for reading,
bob prohaska