I get 400 Mbps down standing at the door of that same diner. My understanding is that 4G bands are repurposed for 5G in rough proportion to the usage of 4G vs 5G devices at that tower, plus there’s some way to use a band for both. In any case I was having these indoor performance issues back in 2019. I’m pretty sure it’s an Intel issue, and any Qualcomm modem would be fine.
I see this in my french city, there's a particular spot on my commute where my phone (mediatek) will report 2 bars of 5G but speeds will actually be around 3G. I've also noticed other people on the tram having their videos buffer at that spot, so it's not just me. The carriers do not care, of course.
I think there's just some of these areas where operational conditions make the towers break in some specific way.