Hi Joe!
I started at about the same point - with a Raspberry Pi. I’ve experimented with the RPi3B+ and the RPi4B. And if you are getting near 50 Mbps you are doing well.
The RPi devices are not powerful enough to handle network traffic going two directions at one time. Yes it can do Ethernet at 300 Mbps, but the RPi cannot do both Ethernet and WiFi quickly and at the same time. It has the same problem with the USB-to-Ethernet adapter and the on-board Ethernet.
Yes, there is but I do not know what it is. See the HT Caps and VHT Caps in this link:
https://www.ipfire.org/docs/addons/wireless#wireless-settings
I think you’d want to set the VHT Caps (but that is a guess).