[Solved] pfsense is not making sense
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Finally got it solved! There were a number of issues, some of which I'm still dealing with.
I ended up replacing my setup with an unused Dell desktop with PCIe slots. The hardware is slightly better than my tiny Lenovo box, so no harm there. I installed two PCIe EXPI9301CT Intel NIC's. Did a fresh install, restored my config and was back up and running. After that I ran another test and I was getting 150 Mbps down and 50 Mbps up!! I'm pretty sure we're paying for 120/40, so I can't complain about those numbers. So as many suspected, I am now pretty convinced the issue was with the USB NIC. The other hint is the fact that on the dashboard both LAN and WAN are showing as 1000baseT <full-duplex>. On my old Lenovo setup with the USB NIC as my LAN, the LAN did not show that information at all on the dashboard or under the interface info.
After solving that, I still had sub 100 Mbps speed on some PC's. In some cases, it turned out being bad cabling, in another case a bad switch, so by going though it on a case by case basis, I'm slowly getting my network up to speed, no pun intended.
Thanks for all the responses and help!
Raffi</full-duplex>