The M4 leading to the M25 isBusy from Reading around rush hour, a little lull in between Reading and Maidenhead then busy again past Windsor / Datchet up to the M25.
The busiest part of the M25 is the west and the North around the M1. Just where you are heading.
If it usually takes you three hours with no traffic to get from your house to St Albans I would give significantly more than 1 hour extra.
My parent used to live inbetween Swindon and Oxford when I was at uni, I’d use the M4 J14 ->. I could do the M25 in an hour with no traffic, during rush hour I would give myself 2 hours, maybe more to get to the M25 just to cope with the M4 traffic.
They now live in Dorset and 1.5 hour to the M25 and 45 min round the south M25 (J13 -> J3) no traffic route takes about 3.5 – 4 hours door to door during rush hour, so double.