Wild hair thought! Pick up one end of your bike and make sure
the wheels are spinning free. Check front and rear. Brakes may
be dragging, bearings too tight.

Do you need the fenders? Dump as much as you can off the
bike.

Could you get by with a back pack?

That bike should ride like a dream, something is amiss.

I wish there was a way for a BF member to meet with
you and check your bike.