Thanks for the observation ... and it is still doing it, so much so that installed EFI Editor on all the OSs and use that to be able FORCE the boot list to have rEFInd as the first entry before I exit any of the OSs. I thought that would fix the issue, but it did not because even though I have verified the boot order before exiting Win11, after I do restart , I still get the BSOD due to invalid first boot entry.
At first, I thought Ithat Windows 10 was doing it because when I restarted from inside Win10, I got the problem. But no sooner had I determined that then restarting from Win11 Pro started giving me the same issues -- but restarting from inside Win10 brought up the rEFInd menu. But not ALL the time! Only SOME of the time! I've since been unable to determine any useful pattern to this.
Quite by accident, the Del key (to force UEFI Setting entry) started working again -- so I can use that to boot into UEFI settings to change the boot order to prevent the BSOD from coming up by default.
But again, the list order gets changed without my intervention -- still to this day.