Hi
Welcome to Microsoft community.
Thank you for your detailed description.
In order to better determine your problem, could you provide the specific model of your computer, laptop or desktop?
Windows update patches are divided into different types. Some patches are downloaded and installed in Windows, while others require waiting for configuration updates during the update process. You can try waiting for a longer time to check if Windows can automatically update successfully.
Also, the update speed is sometimes related to the computer hardware configuration and network speed.
Please feel free to let me know if you have any further updates, thanks.
Best regards
Derrick Qian | Microsoft Community Support Specialist