Making some progress. Did full reinstall of WIN 10 Pro.
Did full install of all drivers and utilities from Gigabyte mobo disk even thought some of them were likely older.
Shut off all power suspend for USB devices in Device Manager and Advanced Power options.
Now the system does not freeze or lock up when a USB port is used for data copy, but the USB 3.0 ports do not recognize a 3.0 flash drive. Nothing.
The USB 3.0 port will read a 2.0 USB flash drive and data can be copied from that USB 2.0 drive.
A USB 3.0 flash drive can also be read on a USB 2.0 port. ( have 2 USB 2.0 ports).
Finally the USB 3.1 port seems to be working. Will read the USB 3.0 flash drive and copy data without crashing.
Will try a BIOS update next I guess.