Windows 11 settings app - home page loading

I started getting this weird issue with the settings app after recently doing a clean install of 23h2 after trying out 24h2 (also happened there I think), where the settings app and its home page is loading. It can take a few seconds and it can also be stuck for like 20+, but it should never be happening at all since what the hell is there to load?

I didn't have it prior to this, so I don't know if something got messed up with the 23h2's recent updates or if it's maybe Copilot that I usually force remove, but haven't this time since I started using it from time to time.

Using Nvidia's drivers 561.09 and the installation is clean otherwise, no idea what can be causing the extensive loading on the settings app.