I've got a refurbished 2020 MBA 512gb bought from Apple 7/1/20. It's had random restarts and kernel panics intermittently since I've owned. Finally decided to talk to Apple support. Erased and reinstalled Catalina. Still restarts. They think hardware, and should take to genius bar, possibly send in. After disk erase & reinstall, is it normal for my file folders to reappear without any action on my part? Are they Icloud related? Thanks.