OK, what I have done makes no sense to me but here it is. I just moved my router next to my modem and used factory made 6 foot piece of CAT5E. Now I get 200+ at my desktop computer. What is weird is I have tried 3 different cables, all CAT5E., all shielded, 2 different brands, all under 100 feet long (all home made) and it always showed high 90s. I even swapped modems at my nearby Spectrum store yesterday. I have been making cable for years, but only recently dealing with 200Mbps. My cable tester has always proven reliable. I can't imagine 100 ft would be an issue. I am told all CAT6 is gigabyte capable? I have a weatherproof piece laying around. I guess I will put ends on it and see what happens. Just so you know, I have to keep my router across the house from my modem otherwise my living room TV with a wifi Roku stick won't cooperate 100%.
Thank you very much for all your time! I will return with results from my CAT6.