The difference between the free-space figures shown by Finder and System Settings does not necessarily mean that 60–66 GB of storage has actually been used.
It shows that macOS is currently reporting different storage figures.
The fact that System Settings also remains unable to finish calculating “Photos” and “System Data” is relevant because its Storage analysis is not completing.
Apple describes System Data as a general category containing Apple and third-party files that do not fit into another category. (Apple Support)
The next step is to open Disk Utility, choose View > Show All Devices, and examine the internal physical disk, its APFS container, and the Macintosh HD volumes.
APFS shares available space between volumes within a container, so the container-level information is useful when investigating the discrepancy. (Apple Support)
It is also important to distinguish free space from available space.
Apple explains that available space can include purgeable space that macOS can reclaim when needed.
Consequently, the figures reported by different macOS interfaces do not necessarily represent exactly the same calculation. (Apple Support)
For now, I would not delete System Data, caches, or other files simply because the Storage calculation has not completed.
First compare the figures shown by Finder, System Settings > General > Storage > All Volumes, and Disk Utility, making sure you note which volume or container each figure refers to.
Apple specifically provides the All Volumes view for examining storage across the internal volumes and containers. (Apple Support)
If you provide the Capacity, Used, Available, and, where shown, Purgeable figures from Disk Utility, together with the figures shown by Finder and System Settings, the discrepancy can be investigated more precisely.
Apple's relevant documentation:
Free up storage space on Mac
See used and available storage space on your Mac
Get detailed information about a disk in Disk Utility
Add, delete, or erase APFS volumes in Disk Utility