Thanks Joe, what saying is even with that benign analysis, I still wont know what to do or how fix issue.
(but taking notes on this) hard to get ones head around still.

And most times, the things showing at top of activity monitor are even more arcane. I've been making a fun list of them.. Maybe the culprits don't want you to know who they are! ?

couple new ones:
HDUITIL.jpeg
SDCUST at 97%