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The factory reset idea is mostly to clear out any unauthorized customization that may have been made. If you can confirm that hasn’t happened then it wouldn’t be necessary. I have a router that’s not supported by my ISP so I feel your pain. Fortunately I only had to figure out how to tag a particular vlan on the WAN to get it working and someone else had posted a guide that got me most of the way there.
Do you have any IoT devices chewing up a lot more bandwidth than they should be?