I ended up fixing it.
I tried the ISO and it was giving me an error saying it couldn't continue to the next phase, but I thought about something.. WHY was it restarting constantly? even when running the update assistant it would get to 30% and restart.. so I went into the BIOS and set all setting to default... removed the XMP profile.. and then I ran the update assistant again.. this time it installed.. I'm guessing the XMP profile was messing with it somehow, maybe making something too hot and it would restart.
SO, now my original drive 960 EVO, I ended up removing that partition when trying to install the ISO, which lead to it saying my computer needed worked on.. LUCKILY I had cloned my drive to the new m.2 and the updated windows is now on that 2nd M.2 and my original drive is empty.. I still was unable to install a brand new copy on the 960 evo cause of the error message.. I think I know why. I didn't remove all other drives.. i'm guessing if I removed all drives and left only the 960 evo it would install.. but, as of right now I think i'll keep it like it is.. and possibly try installing windows 11 on the 960 evo.. if I don't like It, I can just swtich boot device to 2nd m.2 with the latest windows 10 update.
So, if you guys hear of someone else having an issue where it keeps restarting while trying to go through an update or install a new copy the way it was doing me.. make sure they reset bios settings to default settings. I'm just happy that I figured it out.. that is one thing about me, I have never let a computer problem defeat me LOL I'll troubleshoot for weeks at a time till I figure it out, or it drives me insane!