Hi Hale. I'm Greg, 10 years awarded Windows MVP, specializing in Installation, Performance, Troubleshooting and Activation, here to help you.
System Restore points are wiped out by Feature Updates, so make sure System Restore is enabled for C and any other drives you want:
https://www.windowscentral.com/how-use-system-r...
There is no group policy in Home version. Resetting Account permissions to default in Windows 10 is here:
https://www.thewindowsclub.com/how-to-reset-fil...
However the Admin error you're getting in Home version indicates account corruption. You can Test for account corruption by creating a new Local Admin account to see if the problem goes away. Step-by-step instructions here:
https://www.isumsoft.com/windows-10/3-ways-to-c...
Sign into the new account, test it works correctly, if so move files over, test all apps work or reinstall any that don't. Then when ready delete the old account in Settings > Accounts > Family & Other Users.
You can also try to Repair the old account by running a Repair Install from the new account, steps here: https://www.tomshardware.com/how-to/fix-windows...
You can change it to your Microsoft account if desired:
https://www.tenforums.com/tutorials/5375-switch...
Based on the results you post back I may have other suggestions if necessary.
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