I have countered this problem by loading up all the programs I anticipate using during a session immediately after booting up, before the unidentified cause gradually takes up 95% of the RAM. The computer works fairly well this way. I am still trying to nail the cause for the RAM hogging. Perhaps it is OneDrive, or possibly even malware. I noticed that the amount of RAM taken up is about 16GB, which is the maximum capacity on the Dell computer. My HP computer has 32G of RAM and it loads up around 16GB also. I will eventually figure out what program is overloading the RAM on the Dell computer.