Disable Superfetch / SysMain
Services.msc → SysMain → right-click → Stop → set Startup type to Disabled. This is the most common cause of 100% disk on HDDs with Windows 10.
Disable Windows Search indexing
Services.msc → Windows Search → Stop → Disable. Re-enable once disk usage is resolved and the culprit confirmed.
Check for Windows Update activity
Windows Update downloads and installs in the background. Give it 30 minutes after boot — if disk usage drops, this was the cause.
Flash storage firmware
Some SSDs had firmware bugs that caused 100% disk in Windows 10. Check the SSD manufacturer's site for firmware updates (Samsung Magician, Crucial Storage Executive).
AHCI mode
If the SATA controller is in IDE mode in BIOS instead of AHCI mode, disk performance is severely degraded. Switching to AHCI requires a registry change before the BIOS change to avoid boot failure.