What happened to you what does this word mean

«What happened TO you» means what affected you, what event had impact on you.
A: You’re really late. And you’re limping. What happened to you?
B: I fell on my way here and sprained my ankle. But, I wouldn’t let that stop me from meeting you. I came anyway, late or not.

«What happened WITH you» means what’s going on with you, what’s up with you.
A: You were really ugly at the meeting today. What happened with you?
B: Ugly? I guess I’m just tired of having all the work dropped on me. One of these days, I’m just going to quit.

Can you rephrase the difference between the two: happened to and happened with?
I’m not clear about the difference between «what affected you» and «what’s going on with you.»
The only difference I can tell is the first indicates something already happened and the latter means it’s still going on.

source: https://thegrammarexchange.infopop.cc/topic/happen-to-or-happen-with

There is a nuance in theory: A1 [first example]: sounds like a specific ‘happening’ or event is relevant, and its impact.
A2 [second example]: is more open ended and wide ranging.

I disagree that [Nagomi:]»the latter [A2—second example] means it’s still going on». I see no difference.

IF one wanted to stress present continuation, one would say, «What is happening with you?» or «What’s been happening with you?»

In practice there may not be much difference: Both examples, A1 and A2, ask «What’s going on with you?»

That sounds quite subtle to me, and I don’t really see a clear difference. I take it that you’re saying «to» suggests something happened and done with an impact in place, but «with» implies an event is still possibly going on, and it’s not necessarily that the person who’s asked «what happened with you» may not be the object of the impact. Am I on the right path?