I have found an issue that was causing some or all of my problems.
The settings on my SC8000 were all effed up. Don't know how it happened but it was set to EQ1 which I think boosts the low bass and the volume was too high for how the 820 outputs the signal.
I turned off the EQ (none of the 4 sound good at all), lowered the volume, played the first ten minutes of BR2049 and it was awesome. Best by far its ever sounded.
I might rerun AccuEQ down the road but (to my ears) it sounds really, really good as is.
Thanks for everyone who offered suggestions.
Really liking this AVR.
Klipsch RF-62II, RC-500, RS-400, SVS PC12+,
Def Tech SC8000
Roku Ultra, Apple TV, Sharp 70" Quattron