The final update....
There is attached two photos. infected pc and clean pc.
These are both new builds with only one change on both of them, see below. Therefore they are identical, all setting the same, default settings with the exception of thunar as I want to see quickly if files are accessed.
The infected PC is not connected to the new router. It has no internet access now.
Notice that on the infected PC, the doc, docx, odt have all been accessed, with different times to the created time note also that the accessed times are the same within a minute or so and also read the text in the photo of the infected pc, as this gives more details.
Now bearing this in mind, notice that on the clean pc, there is only two files that have been accessed and it was me that accessed them both.
So this clearly proves that access time has nothing to do with caches or indexing, as I previously said it didn't, as if it did both PCs would behave identically, considering they are set up identically.
Further this also clearly proves that there is something going on differently between the two PCs and this is highly likely be an infection, as the two PCs are set up identically from an official download of an install DVD.
I had reset all the SSDs with hdparm prior to the new install, so it's most likely that something has infected the bios or some other firmware of the infected PC, which was the same as the old scrapped one, again see below.
For the reason I am making this post it is totally irrelevant how the infection occured, this is only about how I noticed it.
There are various types of file on both the PCs, so that a fair comparison can be made between the two.
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Prior to this, on another infected PC (the now scrapped one) I removed the two HDDs leaving two SSDs (note the HDDs were for data only) one SSD had the boot, OS and / on it and the other had /home on it.
Once I repowered the pc, it wouldnt boot at all and then using a boot DVD, the boot SSD was not visible the home SSD was still visible, boot SSD was not visible even with gparted, or hdparm.
Interestingly though the boot SSD was visible when the SSD was put into a usb cradle, I tried hdparm on the SSD but it didn't work, hdparm only works when connected via SATA cable and then this SSD did not show up.
So now I have scrapped this PC and I have physically destroyed the aforementioned SSD.
The photo of infected pc attached is from the second infected pc.
I have replaced the router as well to be on safe side.
The only reason for this update is so others can be aware of how important accessed time is, as it was through this that I knew something was wrong in the first place.
Unfortunately now most Linux's deprecate atime (which is where file managers get the accessed time from), so it doesn't update immediately, read it up yourself to understand how and when default atime is updated.
The reason given is due to the overhead it uses, but I'd rather be more secure and lose a little speed.
So unless you edit fstab, as below, then atime is not much use
Also you may be able to tell from the photos that I'm not using Zorin, I have now switched to MX Linux, and having done that, I had to make the one change that I made to both the infected and clean PCs which is to edit /etc/fstab and change "noatime" to "strictatime" but only for the /home, (as I have /home on a different SSD on both PCs) this way the accessed time is immediately updated on a refresh of the folder on /home.
I've decided that I am going to close this post now as I feel nothing useful can be achieved by arguing the toss over the definition of what a virus is and if it will show on a scan, even if its unknown.
If click baited on one PC how did the same happen on three other PCs with no connection to each other, apart from using the same router? This is why I say it's a virus, and likely a new one so unknown to clam TK
Drastic measures in trashing and destroying PCs and SSDs but better to spend a couple of hundred quid on new to ensure I'm doing all I can to safeguard my data rather than take a chance with attempting to remove something that doesn't want to be removed.
I would like to say that I did get much useful information and help on this request for assistance and my other posts and requests so I say thank you all for that.