First % thing is interesting. I appear to be super unlucky running between 7-25%. My 2070 and 2080ti are at 7% on Genefer 16's and 17 megas.
Edit:
Uggghhhh. BOINC manager was only showing "Active" tasks. Turns out I had at some point configured it to buffer .05 days of work. So basically costing me an hour on 3 minute task. Duhhhh.....