So first let the
Apple Wireless Diagnostics Tool (as per post #3) run until the drop out, it will log the report of exactly what's happening, when it happens. You mentioned possible congestion on the 2.4 GHz band. What happens if you separate 2.4 and 5GHz for diagnostics and just try run the latter?
You could also try the free download of
NetSpot for checking WiFi traffic of all devices, signal strength, channels, etc. Most useful if you live in an apartment building.
I mean, that's all assuming you don't have an intermittent issue with the internal WiFi card. I would potentially make an appointment with Apple for them just to run a hardware test on it. Shouldn't be charged for that. Many years ago I had a strange issue with the WiFi card on an old 5,3 where I could consistently replicate drop outs by running speed tests. Otherwise it was without pattern and oddly would on occasion come back on by switching the WiFi on/off. Card got replaced and all was good.
I hate WiFi issues (still partially occur with my Mesh Routers) and the reason my backups are not over NAS WiFi (what I actually wanted), but instead a couple DAS solutions. But now I digress.