Simplistically to get started, i’m sure someone more knowledgeable will help at some point.
By default, an idle connection will switch down from 5G to even as low as just 4g (slower than 4G+). When a demand for data download presents itself, the router will request a 5G connection but then afterwards revert down.
Is this happening? Whilst monitoring your connection try downloading something of size such as a Linux distro 5GB’ish+ in size or Adobe reader, LibreOffice 250Mb’ish. Does the router then change from a 4G+ to a 5G service?
What bands and bandwidths are being offered to the router. Status > Network > Mobile?
Where in the world are you?
Have you updated both firmwares or just the modem?
It is possible to have a better download speed on 4G than 5G when the mast you’re connected to becomes congested, too busy. Everybody wants a faster 5G connection, but 4G can be faster if fewer people are connected to a 4G service on the same mast.
When your current SIM contract expires, have a look at pre-paid EE business SIMs at scancom.co.uk. So ok you pay a lot upfront, but it’s very good value when you break it down, £11 to £15 month.
A business SIM gives you a prioritised service, you get 5G more often and a bigger bite of the bandwidth when the mast is congested.
Your mobile rather than static, so when the vehicle moves it will change the mast it’s connected to on a regular basis, and therefore it’ll be offered different bands at different bandwidths as you travel. So banning bands may not be a good idea!?
On the move your connection will change frequently and so will your download speed, you won’t always get a 5G mast, you may deny yourself a connection when banning a band.
On the move, i would accept that your connection will continuously change, sometimes it will be lightningly fast, moments later a connection may not even be possible at all… Normal!?