Lost Categories / Income Reminders and Changed Transactions after One Step Update and/or Cloud Sync

Like many others I've been struggling with my accounts not updating, but of course open Quicken and have been trying nearly daily the last week or so. What I found about 2 or 3 days ago is that after a One Step Update and/or Cloud Sync (since they basically happen at the same time), my Bill / Income reminders are changing without any intervention on my part; and then troubleshooting that I found that numerous of my Split transactions across transactions changed to not be split but rather the top category that was listed. Thankfully I keep 7 backups and finally going back 3 backups ago I was able to restore. I'm petrified to do One Step Update and/or Cloud Sync - again happens simultaneously. Anyone else having a similar problem? I tried searching and did not find anything that stood out to me.