It seems that the culprit, once again, was a playlist nested into folders. The rules were to load any track that the artist tag starts with and then nothing, so once again, an auto-playlist loading all of my huge library. The strange thing is that it was in a playlist folder that hasn't been touched since 2019 -The "2019 Year" folder contains playlists with music selections categorized by genre or other criteria- so after 2019 there were no changes, and I've had no problems until recently. This folder is also part of my secondary —smaller— library, which hasn't been modified for the last month, that I export as an iTunes library to load it into the Traktor DJ app, and it's not in there.
I have no idea how I created this auto-playlist, I am sure I wouldn't create a "whatever" auto-playlist, but on the other hand i am also sure MusicBee is not creating playlists by itself out of nowhere.
By the way to identify the playlist, I had to edit all of the auto-playlists through Notepad++ at once and change the LiveUpdating="True" to LiveUpdating="False". This made all the auto-playlists "static", so a .snap file had to be created for each one. The one for this playlist was around 600MB which, let's say, seemed a bit odd.